> I said "without risk of lawsuits", and that phrase is doing a lot of work.

It is like saying that it is hard to go swimming without risk of shark attack.

Mostly wrong until you share a bunch of cherry-picked scenarios to support your own beliefs.

“Well yes I knew a guy who liked to splash around in the ocean at sunset wearing his seal costume after ladling chum into the water all afternoon.”

I've gone on disability, its insane the loops one has to jump through to get it, especially if you want the private disability insurance to kick in. It took months of paperwork and re-filing appeals. I'm in a state with a better safety net, but I had to work at my place for several years to qualify to earn what amounted to be around 45% of my salary while on short term disability.

Sadly people really do think that your story (which I'm sure is true) is more common.