You literally claimed yourself that 5 days a year is plenty for yourself (via stating that you don’t use that many days). So this supposed acknowledgement “that this isn’t enough”, doesn’t appear to be true. You apparently think that it is enough and would even be able to save up days just from your normal behaviour.
“I understand the reason to minimize the liability for the employers”- the liability? Do you mean the expenses of paying for indefinite leave? Where does liability come anywhere into this? Do you know what that word means?
You seem to be arguing for indefinite sick time (which is actually paid by taxpayers because businesses can’t pay people who produce nothing), but doing it by attacking a more beneficial system for employees (apparently because you have no idea what you are talking about).