Occupational safety doesn't happen just because you think it should. Recognizing when financial incentives are insufficient is important to designing a realistic solution.
Yeah, and?
How much do you think the humankind is willing to pay to save a human live - a million dollars, a billion, a trillion?
A lot more than it does at the moment, certainly. That's no bad thing either, even if insurance premiums would go up (and construction quality would then improve to compensate and bring them somewhat back down, and finally fewer incidents would result in loss of life.)