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I don't know all the answers to your questions.... But think the over all answer has something to do with lawyers, lawsuits, and the American preoccupation to sue if it looks like there is $$ to be had.
Example.... The fencing around pedestrian bridges.... I'm sure that when some gov agency set about planning that bridge, they considered every possible way a person could hurt themselves using it and then built it with safeguards to prevent injury. Not because the gov is worried about the person.... But worried about the person suing for injury.
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