Yeah make it even more costly to leave your home. So expensive that only the rich can afford it. Yep thats the American way
It’s called taking responsibility. It’s no different than anything else. Get insurance, do something that financially covers such types of things. Anyone taking a round-the-world sailing trip on such a small craft and NOT expecting some sort of trouble would be a fool. The American way is to take responsibility for your actions, and not offload the cost on others.