In a litigious society, the risk is never worth the reward. Safety is about protecting against liability more than ensuring individual well-being. The cost is a loss of shared experiences that initiate new people into trust. (To remain safe, isolation and restriction are paramount.)
Instead, the rules (now made plain and authoritarian) can be subverted to extended mutual risk, fostering complicity and connection. The polite decline of legalese introduces gray zones, navigated quietly under bureaucratic oversight, reintroducing the shared transgression as complicit bonding.