You are correct in saying that drones could cause a potential financial burden on an aircraft operator but air carriers have insurance that usually covers things like, lightning strike damage, hail damage, bird strikes, FOD ( Foreign Object Damage)
I think that the FAA has done an excellent job in the past and will continue to provide excellent guidance and regulation in the future, we can all help by educating ourselves and others as to the safe operation of UAS systems, the FAA has all of the information ready and available for everyone to educate themselves and it's all free, I recommend to everyone who flies anything in the sky regardless of manned or unmanned aircraft to make it a point to dedicate as much time and effort to learn and operate your aircraft within those guidelines so we can all continue to enjoy this new technology