So it's not really idiot-proofing, it stems from this: You have two innocent people. One harms the other, unintentionally. Who pays for the damage? ex. I thro

So it's not really idiot-proofing, it stems from this: You have two innocent people. One harms the other, unintentionally. Who pays for the damage? ex. I throw a rock, it hits your windshield. Total accident. Should I pay? ex. I manufacture an atv - it's really fun to ride, but it tends to flip over, killing the rider. I obviously don't intend for this to happen, but it does, several times. Should I pay for this? Should the government regulate it?