How does being liable for damages caused by software or services you sell equate to being an idiot? I just see it as the normal way to do business, and the reason why limited liability (the way I’ve been doing business for more than 2 decades) exists.
IANAL but it seems clear cut to me: if you asked for money in exchange for your software (or to access to your software through an API or similar), or if you asked for personal information (in exchange for your software) then you’re liable, otherwise, you’re not.