The scenarios will always exist, but the uncompensated damage to innocents does not need to. The "reasonableness" of the stop is effectively internal to the police, and is not a substitute for actually making the innocent person whole again.

Doing otherwise is making it so the true cost of policing is funded by a reverse lottery.

(You've constructed the scenario to be quite benign, but even so the victim has been assaulted and is likely pumped full of adrenaline with nerves shot for a few hours. And that's basically the simplest thing that can occur)