Don't be so quick to judge. One spider bite sent me to the hospital for a week of intensive care and a couple of months of rehab... Hospital bill alone was over $12,000.
I have the good fortune of having good insurance and since it happened while I was traveling on business, my short term disability covered insurance covered the lost wages. So my direct financial impact was only about $1,200.
If it had not, the direct financial impact would have been close to $45,000.
On top of that, consider the cost of lawyer fees - likely 50% of sum awarded and the costs are not too unreasonable.