Are you assuming that Windows and electric companies are all run by people knowingly making decisions to cut corners and put the company at risk?
Leaders of an electric company shouldn't be held liable for a lightning strike that starts a fire, for example. But they should be held liable if they purposely decide not to spend the money it takes to maintain power lines and a tree branch that should have been trimmed falls and starts a fire.
There would be consequences of such a system that change what we have today, but I wouldn't expect that to mean we couldn't possibly have things like electric companies.
Leaders of an electric company shouldn't be held liable for a lightning strike that starts a fire, for example. But they should be held liable if they purposely decide not to spend the money it takes to maintain power lines and a tree branch that should have been trimmed falls and starts a fire.
There would be consequences of such a system that change what we have today, but I wouldn't expect that to mean we couldn't possibly have things like electric companies.