The Lone Ranger ... more like the Winged Avenger, I would have thought.

Meanwhile, I've never been overly impressed by the "Indemnity Form" approach ... that is:- "We don't know if it's ever been safety tested, calibrated, or whatever. But it's OK, it's
covered by an Indemnity"! Oh, that's alright then.
And who gets to decide whether a fault was caused by "abuse" or (supposedly) "fair, wear and tear"? And ... what happens in clear cases of abuse (by the user)?