Personally, I see that as the problem; reliance on someone to monitor one's actions.
As Mike Rowe [Dirty Jobs, The Way I Heard It, Returning The Favor, TED.com...] puts it, the superior perspective is Safety Third, with personal responsibility as number 1.
Expecting an observer to know more/ care more about you [and those around] than individuals, is merely a dodge by insurers, redirecting culpability to an intermediate party, and forms niche of personal injury attorneys.
With another tip of the hat to their lobbyists...

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