There are really only three options in this case. The consumers can be made accountable for their own harms. Society can be held accountable. The prod¬uct manufacturers can be held accountable. Holding the consumer account¬able, what is sometimes called the tough luck standard, seems overly severe. Not only would the consumers suffer the injury itself, but they would also bear the financial costs as well. Making the consumer suffer in both ways seems cruel, especially since in these cases we know what caused the injury and we know that others have benefited from the fact that the consumer bought the product that caused their injury. Holding society in general accountable is ail option, but would seem to commit us to a socialized insurance system. If we hold society accountable for injuries and disease caused by consumer products, we would be hard pressed to deny social accountability for all injuries and disease (why favor only those caused by products?).