Although my question is specific to Super User, I feel it does affect all the sites.
People come to the forum for advice, some times the advice given is not ideal.
For example, suppose someone had a computer issue and I proposed a solution. In this contrived example, my advice was to get a more powerful PSU and do something which would affect the warranty of the machine, which in turn, fried the entire machine and wiped the data etc.
Now, don't get me wrong, it's up the individual to know what they're doing IMO, but the advice someone has received from these sites has caused the issue (in this case, a broken computer). This issue could affect all the sites (where one could give programming advice which has undesired results could lead to wasted money or un-scalable applications, for example).
Is anyone concerned about this? I haven't read the T&C and we know, most people don't. Coupled with, I don't understand most T&C's / disclaimers any way, but, are we (the individuals posting answers) covered by any disclaimer on behalf of the SO sites?