These results derive from fundamental tendencies in the American polity. From the Enlightenment, Americans inherited a central belief in individual rights, whether or not they discomfit the majority. Americans have never had much sense of the greatest good for the greatest number. Add a can-do philosophy and the idea that bad luck should be illegal, mix well in committee under the watchful eye of crusading lobbyists, and leave the definition of the legislative language to future court cases. Judges must look backward to the law as it was on the date of the alleged transgression and remedy the individual damage.
Lawsuits are anecdotes.
Legislators are supposed to weigh future consequences to entire communities. Both do need money they're not going to get, but they need even more the power to determine what will most benefit the greatest number of their essentially voiceless populations. This will have some terrible consequences. Sadistic junior managers in brief authority will torment people required to keep their apartments in good shape or lose their housing. Hostile teachers will drive struggling students to tears and despair.