The difficulty, as I understand it, is largely that doing these actions are not themselves risk free. And the risk is not at all easy to insure against, such t

The difficulty, as I understand it, is largely that doing these actions are not themselves risk free. And the risk is not at all easy to insure against, such that people do what they can to avoid taking on any actions that could lead to liability on them. Which leads to nobody having the courage to do it.