Nah, see you got it twisted.
I'm smart because I'm young and have a realistic business sense.
You view your business as: I do something and something "unexpectedly" bad happens and now you gotta come up with the money.
I'm smart: I factor in the legal factor into profits vs costs. 20 grand isn't "nothing", but its something I realize is necessary if you're going to be doing the scale of what I said previously. If you're that big, factoring 5 pounds over multiple harvests into your legal safety net is just smart. So you harvested 100 pounds, 6 of those pounds (one harvest) goes towards your infinite legal defense; to greedy or stupid to use it?
Does your "collective", with your 6000sqft greenhouse have a lawyer on retainer? Well, if you don't... you reap what you sow.
Actually, we have a couple on retainer--
I am talking about ppl (Ask the Babba's about it--) that get rolled for their personal grow...that have to spend that $$...just to prove their innocence--