Except, that's precisely what they do. Such costs are calculated into the product when it is being developed. Just read about the Avandia drug scandal.
And introducing certification is not going to to stop the killing and will not "cover their asses" either. Out tech currently is simply not adequate to solving this problem in the way acceptable to corporations and the end customers.
When it comes to the issues of safety the proper outcome should be organized by a processes, verification and other things that would not let that piece of code get into production. Putting this kind of load on software developer I think is utterly demented idea.
Proper engineers learn them, not random dudes that decide to call themselves "engineers" after a six weeks bootcamp.
We know how to solve the problem of software reliability. We have a rich body of formal methods that allow us to build perfectly reliable computer systems, up to the failure envelope of the hardware itself (from thermal, radiative, mechanical, etc. stress).
The reason we only use these techniques on certain critical systems is that the cost is somewhat higher than normal "unsafe" development and the incentives are not there yet.
Instead of turning our industry into a horrific morass of red tape, with questionable upside and unquestionable downside, let's just incentivize the use of correctness technology where appropriate.