So assuming we don't insure and leave it all up to the airlines to cover us what additional charges do you think airlines will pass on to their customers?
If we are being rational, airports as much as airlines, would have an appropriate duty of care.
Airports are in a far better position to organise such things so they would probably end up providing a service to airlines even when an airline was responsible for the failure.
Given that such a system could be a lot more efficient there might be no requirement to charge anybody.