I don't like to sound derogatory, but xiki would have to turn into a multi million dollar business before insurance or bank companies would consider any legal action.
"but xiki would have to turn into a multi million dollar business before insurance or bank companies would consider any legal action."
Or until they step on the wrong foot, or rub some executive the wrong way.
It's murky water and just because in most situations it'll be "okay", doesn't mean we shouldn't worry about it from the start.
