I'm guessing that's why they say 'Don't use reloads, because we don't know what kind of idiot you are'
That seems to be foreseeability. Because the one thing I know is you can't cover something for every type of idiot/scenario that will come down the pike.
I usually don't agree with Steelhead's approach or expression, but here, I cannot disagree at all with his point. And, it has a much broader application: life, often times violent and unpleasant, is not at all risk-free; nor can it ever be made to be so.
I'm always somewhat suspect of someone, who incurring injury, seeks recompense of others.