That's not necessarily true, as it pertains to finance. Loads of possible variations involving management of one's finances, which entrust a bank or such to make investment decisions for a duration of time on the client's behalf. By no means do all models require decision making from the client, beyond they consent to an amount of money being used for investments and such, and agree a term for the duration, etc etc.

Financial advisors and such do this day-in, day-out. Obviously there are other models, too, for people with little money, who'd need to be much more involved, in order to justify the risk.

We have no clue who, and which companies, are being sued, in the Tom and Larry matters. We do know American has a very litigious culture, and legal cases to resolve problems are common. You're falling for a narrative in a clickbait article. Obviously, a clickbait article isn't going to make a splash or a financial advisory or law firm being sued, as they'd generate hardly any clicks in comparison to when they splash the name of a celebrity on something.

For obvious reasons, some of the parties they'll chase will be those with big followings, with the idea that they encouraged their followers to do something. Nothing suggests that's the only action being undertaken. Of course, depending upon how far these matters go legally, one could reasonably expect to see more parties subject to legal proceedings.