I can't speak specifically to the liability question since I don't want to provide any inaccurate information. To the false negatives problem itself though, I

I can't speak specifically to the liability question since I don't want to provide any inaccurate information. To the false negatives problem itself though, I think your implicit assumption is the correct one - that false negatives are a bigger potential problem than false positives. In my experience, the false positive rate on declines was immaterial to the business. The impact of a false negative is definitely a different question.