You fix Bob's bike, new brake pads for $25. Bob gets hit in an intersection, head injuries, long term care. Bob's health / car / whatever insurance company(s) are going after the driver. Their lawyers investigate the driver of the car, find they have no insurance, no assets, dead broke, $16,356 in credit card debt. Wife tells one of the lawyers, "Bob shouldn't have crashed, Sunburst just fixed his bike!". Uh oh, and you know the rest.