Or just articulate things openly: we already insulate business owners from liability because we think it tunes investment incentives, and in so doing have created social entities/corporate "persons"/a kind of AI who have different incentives than most human beings but are driving important social decisions. And they've supported some astonishing cooperation which has helped produce things like the infrastructure on which we are having this conversation! But also, we have existing AIs of this kind who are already inclined to cut down the entire Amazonas forest for furnitue production because it maximizes their function.

That's not just the future we live in, that's the world we've been living in for a century or few. On one hand, industrial productivity benefits, on the other hand, it values human life and the ecology we depend on about like any other industrial input. Yet many people in the world's premier (former?) democracy repeat enthusiastic endorsements of this philosophy reducing their personal skin to little more than an industrial input: "run the government like a business."

Unless people change, we are very much on track to create a world where these dynamics (among others) of the human condition are greatly magnified by all kinds of automation technology, including AI. Probably starting with limited liability for AIs and companies employing them, possibly even statutory limits, though it's much more likely that wealthy businesses will simply be insulated with by the sheer resources they have to make sure the courts can't hold them accountable, even where we still have a judicial system that isn't willing to play calvinball for cash or catechism (which, unfortunately, does not seem to include a supreme court majority).

In short, you and I probably agree that liability for AI is important, and limited liability for it isn't good. Perhaps I am too skeptical that we can pull this off, and being optimistic would serve everyone better.