Yes, everyday people should use their noggins, but there are things that go beyond what those everyday people would expect and anyone who does those things can

Yes, everyday people should use their noggins, but there are things that go beyond what those everyday people would expect and anyone who does those things can still be liable. Courts have upheld this "reasonable expectation" standard again and again and again, literally every day, and it's not hard to see why. If "use your noggin" was a foolproof defense, explicitly in the TOS or otherwise, companies literally couldn't be held liable for anything. That's clearly insane, so the line has to be drawn somewhere else and it has been drawn at reasonable expectation.