While learning to fly full scale airplanes it was drilled into me over and over, it is *always* the pilot/operators responsibility.
You either screwed up, or failed to ensure you were using reliable equipment, or failed to account for uncertainties in how you operate it.
Running what is essentially hobby hardware (radios, speed controls, batteries etc.) over top of people is just plain irresponsible.
"Oh, but I haven't crashed before."
Yeah, until you do.