TAB,
You would be amazed about what people know about liability exposure and insurance. Most adults carry at least one liability policy - auto or home.
The bigger question is if it is right for somebody to restrict basic human rights and for you to promote it over ambulance chasing attorneys, and that is all the issue over inflated liability costs is anyway. Pres. Reagan tried to address this as a part of controlling health costs - Multi-million dollar settlements for a 90 year old who falls, or the millions for a staph infection where a person has two months off a $25k per year job.
My argument with you all along here, and other times this has come up, is that you promote restricting basic human rights in the name of cost, liability, and political correctness/relations. If you want to restrict me in your own home that is your right, but when you invite me to spend money at your place of business you open yourself up to not restricting my basic human rights. That is the basis behind all Civil Rights court rulings and legislation.