Why nobody mentioned 保險, in USA, all schools and hospitals, doctors carry malpractice insurance,if you own a house, you need carry causaulty insurance, like the car insurance here, so when accident happened, the victims will be compensated.
ettoday
啦啦隊空中拋人沒接到... 美國女學生摔死 (
http://www.ettoday.com/2005/08/11/334-1829461.htm)
is a good example, the insurance will pay the victim, not suing all the 隊員.