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The point I was trying to illustrate is that America is a highly litigious society and people have already filed thousands of covid-19 lawsuits (including against their own employers). If games are played and players contract covid-19 and are hospitalized with permanent injury (or worse), there...

It's not just a "few people on here," man. It's America. As of late June, there were already about 3K covid-19 related lawsuits already filed in the US.

Employers are in a different boat because of workers' compensation insurance and the statutory protections they are afforded by most states so long as they maintain coverage for employees. But even there, it is state specific, and "occupational diseases" are more likely to be covered versus...