They are. Every sat launched needs to have a plan for decommissioning. You need to have enough fuel at to de-orbit the sat at the end of life.

The problem is what happens if your sat breaks and you can't de-orbit it.

I'm not sure if a company could held liable or get fined unless they ignored the rules. I don't think currently you are held liable if its an accident.

Thankfully once we have Starship, the cost of taking space garage should start to be reasonable.