It is a real concern. We need to be allowed to make our own minds up, but that is balanced by the need for us to take responsibility for our own actions. However, even then things can become litiginous.
When I was running an event in Scotland a couple of years ago, the broker explained to me that, should one of my participants become disabled, or worse, it might not be them that sued, but their relatives, or their estate. So... I take full responsibilty for my own daft decisions, but...
Also, he admitted obliquely that the particular risk we were looking at had NEVER resulted in any known accidents and therefore no claims, but the premiums climbed dizzily... because it just MIGHT happen, and the longer they went without an accident the shorter they reckoned the odds!!! In other words the safer it was the more likely it was that an accident would happen... I think...
Of course, when the government says as the British one did a few days ago that flood plains must be used for housing... who is taking responsibilty there? the government (I doubt it) the seller (nah) the insurer (hmmm) the buyer... I think so...