Sounds right. Not sure if this is the position:

If you’re coding, you should pay for your mistakes, if you’re driving a forklift (sober/responsibly), your employer should pay?

If you are coding your employer pays for it too. If I take the site down and we lose $5 million I am not personally liable for that.

That mutually exclusive with our originating comment you think?:

"...I always paid for the resources I used. Just because you consume a lot of resources by accident that doesn't mean you shouldn't have to pay for it."