I don't believe anybody should pay anybody, ever, more than they owe.
Do you think we 'owe' insurance companies?
I think that their policy holders owe them their premiums in return for spreading real world, clearly understood risks among all of their policy holders.
That's a dodge. Your solution isn't about responsibility. It isn't about paying what you owe. It's about forcing everyone else to support your idea of a 'shared' solution.