Is that like how the banks all got serious about evaluating their risk carefully after the first time [1] they saw their models, and consequently their liquidity, evaporate?
Obviously I agree about your dissatisfaction with the other proposed solution: that just lets corporate entities put a low (10%) ceiling on what should be unlimited liability, allowing them to say that failing catastrophically by utter neglect to security is reliably a survivable offense (I recognize that in reality the liability of course ends at the dissolution of the corporation.)
I don't know what the actual answer is.
[1] https://en.m.wikipedia.org/wiki/List_of_economic_crises