Authors get around 10% of the cover price of a book as royalties, it depends on several factors. The rest goes to the publisher. So some do lose money, but the break even for the publisher is usually well before the advance is fully covered by royalties.
Well the publisher also pays for the book to be bound, edited, overhead for their staff, cover art. Many books don't sell for the full retail price and are discounted. So net of all of this a 10% profit margin is common, they aren't keeping 90% of the book sales.
Usually you just hear about people suing the company, they are easier to collect from. Often they have insurance that will pay out a claim that is faster to pursue than a lawsuit. And if the damages are really large a single employee could go bankrupt. Also because the company is vicariously liable for the actions of their employees in the scope of their duties.
But anyone that personally causes damage through negligence or intentional acts can be sued personally as well. If the employer is bankrupt the employees involved would be the only ones pursued. And these damages are relatively small individually, bankruptcy is not an issue.
Also there are some exceptions to the limited liability for company owners or directors like for illegal activity and fraud.
Something like this exists with PPA solar leases, and with home batteries.
But it’s usually a bad deal for the homeowner compared to a more conventional lease or purchase with a fixed rate. The incentives don’t match up, there is also the issue of the lease buyout if the home is sold.
This is changing. Most states have “permanent” properly calibrated breathalyzer at every dui checkpoint now. And in an increasing number of regular vehicles
And then the next question, how does this affect consumer spending, what percent of purchases get the 3d secure message and change their mind instead of confirming the purchase?
Amazon isn’t doing this to benefit customers. A seller/store with an item priced at $100 and selling at a discount on their own site would be pushed off the buy box and customers could see the item for sale for $120 from another seller.
For an advanced course that is how the economics works out. They are expensive to produce and have limited demand, and typically only for a few years until they are replaced.
This perspective makes the statistic even more impressive. Every day driving they interact with probably thousands of people who are impaired in some way and manage to drive safely far more often
Well the publisher also pays for the book to be bound, edited, overhead for their staff, cover art. Many books don't sell for the full retail price and are discounted. So net of all of this a 10% profit margin is common, they aren't keeping 90% of the book sales.