Well if you have no explanation for that I don’t see why we should try and use your model to understand anything about being risk adverse. They don’t care about being sued, they want to change reality.
It's an offhand comment in a discussion on the internet not a research paper, expecting me to immediately have an answer to every possible angle here that I haven't immediately considered is a bit much.
Take it or leave it, I don't really care. I was just hoping to have an interesting conversation.