You aren’t factoring in civil suits. Someone dead, their family can only get so much. Someone crippled can just keep going after you and might have to as they go into greater and greater levels of debt. What would you do if suddenly your income went down to about 14k USD a year and with each passing day the chances of you returning to work diminished, wouldn’t you be desperate enough to try to win some money from the person who did this to you? Wouldn’t you go along with any shyster lawyer who promised results?