Meanwhile, toddlers do active shooter drills like they are fire alarm drills.
Totally logical country you got there with a perfectly reasonable approach to risk.
Unfortunately this is the normal ebb and flow of populations. And the stage the US is at we just have to wait for severe economic disaster to remind people what trauma is.
This process is called subrogation and it is out of the control of the injured person.
Absolutely not my experience at all. Even still, the insurance company has no right to press charges.