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why should I have to 'disclaim liability'? Because our litigious society would like to take advantage me and sue my pants off for no real reason? Then the flaw is not in my code, is it?

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Because those few lines of boilerplate you would have to add exist in order to make explicit your stance on issues you probably don't even know exist, and their inclusion would come at basically zero cost.

Programmers of all people should appreciate that the "plain English" explanation of something is often sorely lacking in comparison to a full and complete implementation.

well, I guess my answer is that copyheart is not for the faint of heart, but if you feel like standing up to our lawyerocracy, then you should do it. And you shouldn't have to worry about 'issues you didn't know exist'. There is this concept of 'mens rea', you can't be criminally guilty if you shouldn't have known it was a crime. As for civilly, anyone who sues you for something silly is a jerkface. Don't negotiate with terrorists.

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