Slightly off topic but another reason to not fuck around with safety stuff is lawsuits and the implications thereof. I work in finance and have seen business owners that were ready to sell their business for a lot of money and retire get hit with a lawsuit that probably would have have led to a not that big payout spook LPs/lenders concerned about a runaway Jury and kill the deal. Those lawsuits can drag on for years and put your retirement on hold.