there is a reason and place for ACC.
New Zealand has the ACC to pay for all accidental injuries, be it through work, sport, or other random stuff.
This then limits liability claims/suing for neglect etc.
If you injure yourself in america, your health insurance pays for you to get repaired.
Your health insurance then sues the people that may have had something to do with your injury, claiming that it was "their neglect/fault" which directly caused your incident, therefore they have to pay - to claim their money back
*enter courtroom/long drawn out case*
The success of the suing came down to who had the biggest lawyers etc.
Same with sports accidents, if we had that, then no-one would run a track day, as if a person spun a car into a wall, they would sue you for not taking all proper steps to stop that from happening, and would sue the track for putting a wall there.
Same with ski-fields, same with kids rugby etc
In NZ, you hurt yourself, ACC pays. ACC then gets OSH onto the accident site/workplace, and OSH make the call as to whether there was a safety hazard that was un-notified/protected etc, and then either require the company to make changes (a foward thinking approach) and/or fine the company for continued neglect - this frees up the courts, and limits the "woman sues mcdonalds for providing a hot coffee she spilt on herself" retardedness.
Dont look at this as me being a tree-huggy acc fan, hell, i have 3 cars to try and register/insure, my 2003 Commodore auto v6 (nana spec -only winder windows in the back) due to the engine size is a "hi capacity-high performance car" that costs as much as a v5 sti type R coupe to fully insure
As an engineer, we have a lot to do to appease the OSH regulations, to the point of retardedness. I.E. everything we design has to be "suicidial idiot proof". The OSH inspector has an "ISO finger" on a stick that he basically tries to get stuck.
So yea, acc rises suck, but acc is a necessary evil.