Structuresguy,
You could not be more mistaken. In my particular field, my primary responsibilities is acting as expert witness for subcontractors and design professionals involved in litigation. Not only are the Architect and Engineer held proportionally responsible for mold or moisture issues related to the slab, I have seen the geotechnical engineer, mass and fine graders, concrete supplier, installer and testing lab, flooring manufacturers and their installers also held responsible. I've even defended framers whose insurance companies had to pony up a proportion of the consequential damages related to moisture in the slab (10% of the Plaintiff's exorbitant estimate for repair).
If I have learned one thing, it is that litigation has nothing to do with technical logic and everything with getting money from whatever source is there and structural engineers are required to carry E&O insurance and they generally do. Many (not all) subcontractors out there do not carry insurance, or let it lapse once a project is started. It's plain and simple extortion. It's cheaper for your insurance carrier to pay a small sum than fight the claim. And remember that your insurance carrier has no problem settling a claim equal to or less than your deductible.
Cracks are generally cited in Plaintiff's list of defects, but serious mediation about money generally focuses on consequential damages caused by moisture migration issues, i.e. staining, carpet wrinkles, mold and discoloration of vinyl flooring, etc. Cracks are defects, but legally, they must cause a consequential damage to something other than the concrete in order to have a viable claim.
A typical 4" SOG for residential construction takes about 1 year to reach moisture equilibrium where inflow equals outflow. Until then, concrete is emitting water from its original placement. Impermeable flooring interfers with the drying process, which can lead to flooring failures and mold growth.
Concrete mix design has a direct impact on moisture transmission as does the presence of granular base and vapor barrier.
Best performing residential slabs that we have seen have water/cement ratio =0.40, 4,000 psi, 15% flyash, 7% silica fume, placed directly on the vapor barrier (10-mil or greater) on min 4" granular fill. Do not place concrete on a 'sand cushion' that is on top of the vapor barrier. It only serves to hold in moisture. Control joints at 15' o/c and at every reentrant corner.
WWF is worthless, but if you use it, place it on supports. Personlly I like fibre, unless its a slab for a burnished industrial floor. Fibres will gum up the finisher and you don't get a good burnish. (Incidentally, the big steel plates used to get that burnished finish are called pizza pans by the field guys. I've always liked that.)