Often times, it is the same person that keeps spouting the civil suit nonsense, concerning GVWR/payload. I think he is just trying to justify buying a DRW truck that he didn't need.
There are many things that are much easier to bring a civil suit for, than an RVer being over a number, that is not a legal requirement. The biggest reason for a civil suit, is a vulnerable individual, with deep pockets, that is an inviting target to dead beats, trying to legally steal from honest folks.
The average American owes more than they are worth, so no target there.
Jerry