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Rather then leave the injured victim with only a chance to recover against a usually impecunious defendant, and here one who is mentally ill, our society has chosen to spread the costs of injuries like this amongst those involved, through the mechanism of insurance. We'll see how it works out in this case when the details emerge. There are issues of causation, foreseeability and likely others as well. Target hopes that one or more of the Good Samaritans had homeowners insurance that can be brought to bear some of the exposure.