You missed the point.

The person(s) making the decision is on the plane. Therefore, if the threat is real, their lives are at risk. Nobody is going to trade their life for $188,000. What my proposal would do is to shift the current mentality that every single miniscule thing that happens out of the ordinary on a flight--no matter how obviously innocuous--necessitates a diversion. If the person truly thinks they're going to die, they will certainly still divert, so safety is not harmed in any way.

I am not suggesting that a "penny pincher" at the airline headquarters make the decision, since they don't stand to lose their life if they make a mistake.

We urgently need a way to make FAs, pilots, and FAMs consider the costs to the airline and passengers when they force unnecessary diversions. I think my suggestion of asking them to bear the cost is pretty reasonable. Perhaps this cost could be mitigated via an insurance mechanism, where these employees would purchase insurance policies that would cover their expenses if they force a false diversion. That way nobody is going to be bankrupted financially because of excess paranoia, but they'll at least know their insurance policy cost will be bumped up a bit each time they call a false diversion. (Kind of like your car insurance rate goes up a bit each time you get in an accident.)