Not Insurance, Liability

> Personal liability means that ... you'll find a lot less people willing to release software ... Free software would not be a thing

There would have to be standards and licencing, so that there would be clear expectations on _both_ sides of what is acceptable practice, but if you are responsible for causing someone harm is it really a bad thing to have liability for your actions. The devils are in the details though because nothing is without boundaries, you can't have infinite liability and the user has some responsibility to use the tools properly, just like in Civil Engineering practice. Free software may not be impossible in that environment but it depends on the exact rules and policies which make that environment happen.