I have to agree with everything you have said, PatW. Back in the late '40's, early '50's there were at least three riding stables within 15 mils of where I grew up just NE of Detroit. Hourly rental was 1.50 and a lesson was 3.00
I was so lucky that my folks let me take riding lessons one summer. Those lessons served as a foundation to my going on to show for others on occasion, co-boarding, and finally owning my own horses for a period of time.
(Now that I'm all 'grown-up, which took over 60 years, I won't consider having any livestock that can't be 'shipped'. heh heh heh )
Actually, today is a whole different picture in that present society has become so litigious - no one will take responsibility for
their own actions anymore or even seem to understand that all normal activity involves
personal risk. So yes, it's the lawyers, and also the people that flock to the lawyers.