People sue the makers of cigarettes because the cigarettes caused cancer.
Even though people recognize that smoking increases the risk of cancer, heart attack, and probably gout and poison ivy, they smoke and then blame somebody else for the resulting health problems. On the other hand, a 30 year old man may die from a brain aneurysm with no warning. That certainly is NOT his fault. But if he did not carry the necessary life insurance, the resulting hardship for his family most certainly is his fault. Even though it is a law that car insurance is required of every driver, we all know that some people ignore this law and drive without insurance anyway.