Like, when a kid gets injured here in Germany, mandatory healthcare insurance picks up the cost, and even if the maintainer can be held liable it's a few thousand euros in damages ("Schmerzensgeld") at most.
In contrast, in the US healthcare insurances try to avoid paying up however possible, including shit such as forcing people to sue their family for healthcare cost. A paranoidly risk-averse society is the only thing that this can end up.