Any big settlement numbers $$$$$$$$$$ will be placed in the "Cost of doing business" side of the spread sheet. Insurers and Oil Companies involved will pass this along to each other and finally to us in the way of price adjustments.
Even a company not involved may jump on board with the ability to increase the asking price of their services or products. Look at how the airline business reacts when one increases their pricing. They all jump on board and up the cost of a ticket.
The bigger the fines the more the consumer will take it in the shorts. (No offense to those playing RIG on the short side).