Don't you run the risk of having liability (e.g. neglect, oversight, mistake, or, yes, temptation, can cause you to be held responsible for a disastrous event)

Don't you run the risk of having liability (e.g. neglect, oversight, mistake, or, yes, temptation, can cause you to be held responsible for a disastrous event) which might put your "net worth" at risk in ways that you wouldn't if you just retired?