I am absolutely certain people die hitting their head while at paid ice skating rinks. I'm amazed they haven't been sued into oblivion to where helmets are required to be worn.
So it seems like we do have SOME semblance of understanding risk vs reward.
Business insurance is what prevents isolated disasters from killing off businesses.
Insurance takes on many useful forms.
For instance, you can hire a winter season snow removal service from companies that indemnify you from people slipping and falling on your property based on their having an insurance umbrella that covers all their customers.
May not be relevant to Omegle. It takes a healthy income to be able to afford serious coverage. And it wouldn't help with the policing work or the protests of pearl clutchers who don't care about precautions, effort and resources for victim support, and just can't handle any failure of any kind.
No, the catastrophic risks are borne by society - the are limits to liability insurance and there is a limit at which limited liability companies can pay or individuals behind companies can pay.
Don't you have to sign a waver for that type of accident. Maybe that's what we are missing from the internet. But that would likely require a real proof of age to work
So it seems like we do have SOME semblance of understanding risk vs reward.