Ok...
A group of a few friends are in a helicopter buzzing the lake, and they decide to do some “Heli-Water-Skiing”. (Helicopter used in place of ski boat.)
The pilot of the helicopter experiences a “momentary brain fart“ and forgets that though he in the helicopter can fly right over the island... The skier in tow can not.
The result is a pretty lady with a broken (nothing major) arm.
The owner of the helicopter and the pilot of said helicopter have no issues with paying (cash) for all medical expenses incurred by the skier who didn’t let go of the rope in time and face-planted on before mentioned island.
Let the record show that all expenses to date are paid in full.
Who is actually at fault here?
The pilot who was flying the helicopter at the time of the “oops”?
The helicopter owner, for providing the fun (while it lasted) to begin with?
The person who’s idea it was to go HWSing in the first place?
The Skier who forgot to let go of the tow rope before face-planting on the island?
Any of the people in the helicopter watching?
Any of the friends on the island watching?
The person who was laughing hardest before impact?
The manufacturer of the helicopter (Bell/Textron)?
The brewery who made the beer that a few (including the pretty lady with the busted wing) of the folks may have consumed prior to the fun (while it lasted)?
The maker of the ice-chest that held the beer?
All of the above?
None of the above?
Someone else?
Some strange being that nobody has ever heard of?