I won't shoot anyone else's handloads, and I won't let anyone else shoot mine. That is a degree of liability, moral if not legal, that I just don't need.
I agree 100%.
When I first started shooting, I bought the reloads made at the range where I shot (and where I bought my first 2 guns). I didn't know much about shooting then, nor about the risks involved.
About 17 years have passed since then, and I'm a bit older and wiser. I know that I make mistakes reloading, but I'm thorough enough to be able to catch them (or, at least, SO FAR I have been). While there are lots of people that I'd trust to shoot right next to me, or to have a loaded gun behind me, trusting that they were 100% safe and error-free in reloading is a different matter. If they made a mistake and I lost a body part or my life, I know that they'd have the guilts for the rest of their life, and I can't burden anyone with that. Similarly, I couldn't live very well with myself if one of my reloads injured or killed another.
Legal liability is an issue (I'm a lawyer, how could it not be), but it is of secondary importance to me. I like my friends and love my family, and I don't want to jeopardize that.
If I see someone doing the reloads, or if a skilled reloader saw me doing the reloads - well, then I might reconsider. Then two sets of eyes and two brains would be checking each other, and the risk would probably be about zero. I do intend to teach my kids to reload, and we'll certainly get to the point of shooting each other's reloads at some point...some point way in the future.
Oh, and if there are a bunch of foreign soldiers, ATF goons or zombie bears coming to my neighborhood, then I'll be reloading a bunch as fast as possible with the help of others, and we'll shoot whatever fits a particular gun. Barring that, I'm sticking to my rules.