Comment by Dylan16807

People are more worried about the worst case than an imaginary average case. Unless you can get insurance for the fee, significant amounts can be a big deterrance even when they're quite unlikely.

1% might not deter, but I bet it still deters more than you want. 10% will deter a lot despite those being cases that should happen. Especially because these non-experts don't know the actual odds. Their fuzzy guessing range is going to include worrying amounts of failure chance even for very strong cases.