The framing they use is hilarious and their little graphic is perfect. The risk of harm doesn't go down, but the reward goes up, so the harm just becomes the cost of doing business, justified by the reward. So as the reward gets higher and higher, the amount of harm they're willing to justify goes up. Feels like society in a nutshell.
Sure. You start a PC repair business. At first, losing a stick of RAM or frying someone's motherboard is super costly when you are doing 10 a week. But once you're doing 1000, that's pretty damn good and easily covered. When you have more tools, velocity, and whatnot, the proportions change.