Probably the most significant change since our childhood is the introduction of no win no fee litigation in 1995 coupled with the introduction of the internet. Just search "I want to make a claim" in Google.
This has resulted in claim farmers whose job it is to get tip offs from police, journalists, council staff, ambulance staff, etc. It has also led to an inclination on the part of insurers to send off a cheque for a few thousand pounds rather than go to the trouble of establishing the facts of a claim as they know that litigation, with its associated costs for the defendant, is far more likely. It is also the case that changes blamed on HSE are more often than not the result of insurers requirements so, in many cases, it is they who determine the "safety standards of the day". If local authorities were required to erect railings alongside pavements it would almost certainly be because insurers were paying to many too many claims which might have been prevented by such railings
Another effect of no win no fee has been an increase in solicitor's fees to compensate for the risk of receiving no fee at all should the claim fail. The NHS paid out £1.1 billion in compensation last year and a third of that, almost £400,000,000, related to lawyers fees. They quote one claim where a payment of £5000 in compensation was followed by a bill from the plaintiff's lawyer for £121,700. In addition the value of claims against the NHS which were successfully defended, and no payment made, amounted to £1.2 billion
It all goes back to the decision of the Labour government in 1995 to authorise CFAs, Conditional (No Fee, No Win) agreements