There is not a systemic problem with people paying too much for safety in the US. In every case where a law doesn't apply, the funders are the ones with the final say in whether safety measures get funded, and as such all the incentives are for too little money spent on safety. The few cases where laws obligate employers to spend money on safety, are laws written in blood because employers prioritized profits over workers' lives.
In short, your concern is completely misplaced. I mean, can you point out a single example in history where a company, went bankrupt because they spent too much money on keeping their workers safe? This isn't a problem that exists.
If you don't know why companies are going bankrupt, then you don't know that they're going bankrupt due to safety spending. So that's basically admitting your opinion isn't based in any evidence, no?
I cannot think of a more boring thing to debate. But I'm sure you'll be eager to tell me that in fact I can think of more boring things to debate, since it's so important to you that superlatives be backed up with hard evidence.
The problem is when people believe that other people should pay unbounded costs for their safety.