Well written. I don't know why responsibility is so scary.

I've never used a table saw but I rock climb regularly which has plenty of risk. Are table saw accidents purely due to your own actions? Or is it like a motorbike where there are factors out of your control and someone could crash into you.

If losing your fingers on a table saw is 100% due to your own actions and there are no externalities, I would call that negligence not accident.