When do you ever get coffee that's the right temperature to drink straight away? The way its made (you know with boiling water) means you have to wait. Not rocket science. So you get this nice hot coffee (anything else is lukewarm and assumed to be stale/reheated) and assume that a thin polystyrene cup will prevent all heat transfer between your legs. Then you win a law suit.

Thankfully not quite that bad in the uk yet.

And a girl walking in a dark alley late at night is not stupid, provided there are no criminally minded people around. That's like saying its stupid to walk around your house without a weapon on the assumption that there's no-one around that's going to knife you.