Fair enough. I guess this is why I should get a lawyer involved! I was assuming there was some distinction between accidental negligence and fraud as far as what could be protected against.
Is this a standard you would like to be subjected to from someone who is responsible for your money? For example, if your bank, through an accidental, non-fraudulent error, allowed a criminal to extract your account’s entire value as cash, do you think they ought to be able to defend themselves by saying they did not commit fraud?
why shouldn't the customer be able to recover damages from you if you had an accident, or were negligent? they were paying you to take care of this stuff for them. if they wanted the risk of accident and incompetence, they'd just do it themselves.
Does that draw any distinction between paying and non-paying customers then as far as their rights? I see tons of "you assume all risks" sorts of Terms of Service, but I have a feeling those are likely just there and don't do much.