In the case of fight club they were talking about automobile recalls. As the defects likely would result in fatalities I would imagine a large portion of those effected would sue. This is especially the case if auto or life insurance policies are effected.

In the case of Apple Keyboards, I doubt the rate is as high.

Uhh well the "average out-of-court settlement, C" can just account for that. But it's also just a quote from a movie, so, like... it probably doesn't matter that much haha.