A fine distinction but spot on.

Totally aside from situational differences, individuals have differing degrees to which a given risk is subjectively distorted and becomes large subjectively. Partly this is caused by the adhesion of past loss which "must not happen again", a mechanism which asserts itself even when the differences are far more evident to an outside observer than the similarities.

Dealing with "whether or not the library could get sued" of course is also reckoning on an imponderable about the temperament of library parents, which you can only approximate statistically.

Some folks will tolerate risk bravely in one arena -- say business -- but in another, such as romance, they will grow much more cautious. They have a different "freight index" for one area than another, among other factors.

I think, in the final analysis, it is entirely a subjective call, an individual assessment.

A