[...] The Do Not Fly database built into the drones only protects DJI. If someone crashes a DJI drone in a Do Not Fly zone that is in the DJI database and lawsuits result, it will be the DJI owner paying for lawyers, not DJI. [...]
There is where the mutual self-interest thing comes in. If you crash because of a problem with the manufacture of the drone, DJI is still bears responsibility (and any lawyer worth his salt would pursue this on behalf of his client). If you somehow were to by-pass or disable the built in protections (such as disabling the GPS), well then DJI wouldn't be responsible at all now would they? Either way, at best it only gives DJI a "..well, we tried!" defense which may or may not actually work in any particular legal action.
Actually you could make the case that DJI has exposed themselves to more product liability simply because they DID try! The failure of the No-Fly operation could become THE key issue in an otherwise open and shut legal action.
But for the large majority of issues that could and would arise with no-fly zones, that feature protects YOU as much as it protects DJI. Will it be 100% effective? No, probably not. Will it reduce incidents to almost none? You betcha!!
It's like the handrail on the South Rim of the Grand Canyon, it's there to protect the park and operationally it accomplishes this by protecting you, IF you allow it to. Climb up on the rail and jump over it and you become SOLELY responsible for the results. But if you lean against the rail and it breaks, that's the park's fault!
But the single biggest benefit that WE ALL get from the DJI No-Fly database is that the industry is self-policing, which (hopefully) could prevent draconian regulations from being enacted that ground all of us (and destroys DJI's business). Being pro-active like that is certainly in all of our interests, even though there are no guarantees that bureaucrats won't be bureaucrats and we STILL could get grounded in the end.
Again, if you don't like it then vote with your dollars by choosing to purchase a different brand of drones.
And just to spell it out, yeah, I don't really give a rat's *** who's butt DJI is trying to cover because by hook or by crook, they are covering mine as well. I LIKE that (just like I enjoy having that rail on the South Rim of the Grand Canyon)!! If you were less selfish at how you see this and bother to take in the whole picture you might find you agree with it more than you disagree with it as the benefits certainly outweigh the bad regardless of why DJI was motivated to do it!