Absolutely. I’ve seen them pick up packages at office supply store shipping counters, and they’ve remarked to the driver “oh, that one’s insured for a grand”, and he acknowledged, and one might even hope he took a little more care. At that point, doesn’t matter if you insured it for 3 grand or 10 grand.

There’s nothing in this settlement to protect them from further action from people accepting the “gifts”, is there?

You’ve never met toddlers, have you?