This makes sense. Unfortunately, I don't like some of what comes out of it as a result: namely, no one will help you out with anything for fear of being sued, of being charged for any mistakes, for losing a friend in the process, whatever. It just saddens me.
When I've had things like this go wrong (we've all had something like this happen), I just let it go. On the other hand, when I fuck up someone elses things (I actually dumped a friends brand new motorcycle once--I was horrified), I ALWAYS pay no matter what. Money is not worth the shitty feeling of
1. making someone else uncomfortable
2. making myself feel like I am a turd.
I am sure there are exceptions and I am not saying this is my behavior in all cases from now to infinity, so please no one bother with the hypotheticals. But so far, this basic set of two rules (the maximum I can remember at any time) has worked well for me. I may be out a little money, but I am very wealthy in my trusted friendships.
my high horse>