I hate to say it, but you are flat out wrong. In none of your "scenarios" was anyone possibly being cheated out of financial gains that they were entitled to. This is a WHOLE different scenario than being stupid and spilling hot coffee on yourself. And I guarantee you any attorney would agree with me on this one.
And I have over 3,000 visits a month with an 6% CTR.... so actually, it does look rather arbitrary.
