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White Island volcano eruption: Whakaari Management found guilty of ‘astonishing’ safety failures
(www.theguardian.com)
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That's the point.
LLC limits that liability of the directors and only the directors. The liabilities are still paid for by someone. LLC just means that someone is someone else: probably supplies and employees who don't get paid.
If you can't afford to self insure your cafe, don't start a cafe.
I can't afford to start an investment bank, so I don't try.