I will be interested to see what people have to say about this.
I would guess that your higher choices don't even scratch the surface.
In other words, I think that the cost is generally going to be next to nothing, like $100 or $200 or less, or it's going to be astronomical. If you actually get charged or sued in civil court then $5000 is not even going to cover the retainer.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.