OP did increase their liability. But do we want to track right and wrong down to that level? Do we want to be that uptight and excruciating? When society's syst

OP did increase their liability. But do we want to track right and wrong down to that level? Do we want to be that uptight and excruciating? When society's systems get too efficient the potential for tyranny gets get ever higher. Compare efficient colonizers like the English vs sloppy ones like the Spanish. Indigenous groups are far more of a presence in the countries where the latter ruled vs the former. That's not an accident. The weak administrative skills of the Spanish authorities gave enough space for the natives to not be completely boxed in, even though in general they could be more unjust than English colonial governments. Inefficiency is a safety valve, it gives hope when real justice can't be found. The injustice here being not being part of a proper health care risk pool the way the citizens in every other civilized country are.