They're...completely different risks? We started out talking about the risk of an opportunistic civil suit filed by a law firm working on a contingency basis s

They're...completely different risks? We started out talking about the risk of an opportunistic civil suit filed by a law firm working on a contingency basis seeking a €2m payout; now that we've established that isn't possible, we're talking about the risk of an actual fine for breaking an actual law levied by an actual regulator (who is on record as saying that large fines would be a weapon of last resort in the most extreme cases). So other than the risk being much lower, the likely penalties much lower, the chance of an unfair outcome being much lower, and the incentives and mechanisms being completely different... ...sure, the risk remains.