Now, let's continue this line of thought. What if people die because your AI told you to not take action when you could have easily intervened to save a life?
As an uninvolved third party witnessing some harm you will face no penalty for not intervening.
It is, of course, encouraged to intervene and laws have been written to ensure that a reasonable effort to intervene won't cause you legal issues but you are never obligated to do so.
To be slightly more depressing - before AI auto-rejectors existed companies would just hire doctors and pay them in a way that encourages (I'd hazard to say intentionally) doctors to deny claims as quickly as possible - Cigna was recently caught[1] doing this to an extreme.
There is a deep rot here.
1. https://www.propublica.org/article/cigna-pxdx-medical-health...