Governments (almost always)consist of humans, who’s principle function as “Insurer of last resort”.
It is entirely rational for insurers to demand warranty of all products, services, and information, in the marketplace that they insure.
One cannot himself warranty actions for which he cannot pay restitution.
This is the limit of moral action – that which you can pay restitution for.
one cannot pay the cost of restitution for ‘defective’ lives.
And if you study the literature, you’ll quickly understand that very small portions of society cost very large portions of our problems.