The important thing to remember is that sometimes bad things happen though not your fault.
People slip and fall on poorly maintained pavements and parking lots.
A drunk driver might cause an auto accident. A doctor failed to treat you properly causing greater harm. You buy a product with the normal expectations that the product will work properly, and then it doesn't, causing harm. Because you need a prescription for certain medications does not mean they are safe for all to take or that you get the proper medication. And who is responsible for giving more drinks than a patron can handle, causing damage to others.