Yeah, if you say that loud enough and often enough, maybe it won't be so wrong.
Your theory, where you have to prove "willful negligence," makes nobody responsible for anything. It's a bass ackwards argument against a "entitlements" that winds up completely doing away with any individual responsibilty whatsoever.
An airline that can't keep a plane in the air has to pay for the damages it causes when it hits the earth. In your cocamamie example, if, instead of the coach sucking, the stadium collapsed, then yes, I think you would be due some recompense.