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Another example of a beancounter (sorry to those of you whom are accountants, nothing personal) running the show. It's a fact of life in our litigious society that "The Finance Department" factors in making policy and will so even more in the future.
Fact: look at your Auto Insurance Policy lately. Or Homeowners, etc., etc.
I think that instead of taking personal responsibility [maybe I should use a mask while batting], it has become permissable to become irresponsible [No one told me I had to use a mask, wah!].
JMHO
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Strikes are great.
Outs are better. 
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