&gt; It&#x27;s a tragic accident, I don&#x27;t see much in terms of liability.<p>&gt; Liability insurance won&#x27;t save your life if you get hit by a few hundred pounds of tree. It will just move money around.<p>By this argument you seem to be claiming that there&#x27;s no liability in cases where people die. Just because you could have stayed alive by not doing something doesn&#x27;t mean there is automatically no liability.<p>Obviously we agree that it would be better to not sing and be alive than to swing, die, and get a payout. I&#x27;m also not sure whether there <i>is</i> liability here legally, or even whether I think morally there was reasonable expectation that the swing was safe.<p>But surely the question of liability doesn&#x27;t factor in whether or not the payout brings someone back to life, and this part of your comment obscures your point a bit.