but it’s actually not as bad or ghoulish as it sounds

We’ll have to agree to disagree on that one. I think decisions made solely for making the company’s cost as low as possible while actively choosing to not care about issues just because their chance is low (we’ve all seen fight club, right? [If A > B where B=cost of paying out * chance of occurrence and A=cost of recall, no recall]) even if devastating are ghoulish.