Imagine you are an Uber driver. You are not a car guy, you are a transportation specialist… of sorts. You are an independent contractor scratching out a living doing what you love best; making money slightly more slowly than your car depreciates.
Since you are not a car guy you take your Toyota Camry to a “mechanic” for repairs. You take it to a tire shop that has billboards on the highway and gets good Yelp reviews. They rotate your tires and change the break pads and off you go.
Your next passenger gets in, you zoom down the highway to get them to the airport, and the wheels fall off because the incompetent, untrained child who put the nuts on, really didn’t.
You took on the inherently dangerous endeavor of driving a car, but you didn’t bring your torque wrench to double check the work of the subcontractor you hired to make the car safe. Hell, as a not-a-car-guy you wouldn’t know a torque wrench from a pipe wrench. How culpable are you here? How negligent are you here?
(This scenario presumes you have no objectionable political views that make armchair legal experts all grumpy and conflate feelings with actual law.)