We have a community pool - we could have a drowning that would also cause all of those things...or an accident off our diving board...and no one would mean for those events to happen, either. But, if we got rid of the pool (which some folks advocated for a decade ago, and were thankfully shot down), we'd have a cheaper HOA fee and no risk of water accidents or lawsuits against the HOA (and other homeowners) from harmed homeowners or even guests (b/c we allow them at the pool). But, then we'd have no community potlucks on pool grounds, family movie nights at the pool, or 21+ adult parties there, and our community would know each other a lot less. Life has risks, thus why life has insurance and emergency services. You can't take all risk out of life, but you can take all the fun and community-bonding out of it...