Most people cannot insure against the sorts of sums that lawyers can ask a jury to award them and their clients.
Until you have sat in a courtroom at the defendants table and heard a lawyer lie and basically mislead a jury on the facts, and heard that lawyer ask that $25 Million be taken away from you, (far more than you have or are likely insured against), and sat around and paced waiting for the jury to come back, and stood there in a court room, your heart pounding inside your chest as the jury announces their verdict--you have no idea how inadequate insurance and every other precaution you take can feel.
And I have no idea how it must feel when the jury decides against you... But the first part was bad enough.
I don't have an answer, but agree there is not just a "sue happy" attitude in this country, there is an attitude by others that basically says, "so what, that's what insurance is for." And that attitude causes juries to give big awards, because "hey, the insurance will just pay it, as if it has no effect on the human being sitting there at the defendant's table."
Of course, everybody ends up paying for this reckless disregard for reality. Higher insurance premiums for all, higher prices on everything so those paying for the insurance can pay those premiums, not to mention wasteful and ludicrous defensive practices --from a doctor ordering unnecessary tests and spending inordinate time documenting absolutely everything and anything, to companies spending time end effort to put things like "do not stand on oven door" because some idiots use the oven door as a step stool. (And lawyers argue because one such idiot was married to an oven manufacturer that this somehow proves it is the manufacturer's fault that people reach such idiotic conclusions.)
And don't let's start the whole "hot coffee" thing with all the claims about the "real story" supposedly making it all seem a reasonable claim was adjudicated there. I have read the whole story, seen Adam Ruins Everything try desperately to "explain" how it all really went down, and hiw the poor old woman was badly burned and only asked for blah blah blah, etc. --The coffee is/was dangerously hot. McDonald's knew that. That was McDonald's fault. Balancing hot coffee in HER LAP was HER FAULT! HER BAD CHOICE! If she had decided to balance it on her head and it burned her face would that be McDonald's fault?
If you are a plaintiff you do not want me on the jury.