If even just one beginner student dies, it greatly affects their reputation. They were responsible to make sure you knew how to do everything correctly... and you die?!? Records are kept. Believe me it is a very, VERY bad thing!
The instructor really gets to know you... personally. And, they are responsible for your safety... personally. They (personally) and their school will likely be sued by your relatives.
Depending on how it goes down, there's probably always going to be a question in their mind if your death was their screw-up or an intentional ctb.
Train drivers usually don't face anything so personal, unknown, and the same liability.
No that's wrong. Beginners have to do many of their first dives with 1) the instructor physically connected or holding-on to you, then 2) jumping with you (they don't pull their chute until yours is well deployed).
It would take MANY full days of training (perhaps 20 jumps & a lot of money) before you got to go completely solo.
Again, PLEASE FOR GOODNESS SAKE DON'T!