You aren't getting an argument from me on personal responsibility. However, I also think we need to limit the litigation business enjoyed by so many. You aren't an attorney are you ;-)
Yes, I agree that the practice of unnecessary malpractice lawsuits is damaging our health care industry. I've seen doctors go out of business because of it. I personally had to have a c-section (major surgery) rather than natural birth because the OBGYN was afraid of lawsuits.
C-section is major surgery requiring two, three or more days in the hospital. Natural birth, and you might leave the hospital the next day.