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> I think the point is that at small scale a single accident poses a risk of ruin to your small operations.

At big scale, a single big accident poses a risk to ruin your big operations.

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No, it does not. Every large company eventually has a big accident. They survive because they have both the resources (e.g. to fight ensuing legal battles, or pay fines, or simply weather a hit to reputation and the resulting downturn in revenue) as well as redundancy, different types of insurance, and so on.
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They also survive because they invest those resources in some amount of mitigation ahead of time. They don't survive when they don't scale their mitigations along with the business.
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