It is interesting that the FAA representative states ....."it is fairly established from past history that people who are being paid for a job are more likely to take risks in order to accomplish that job than those who are doing it for pleasure".
Maybe I am too close to the subject, but it would strike me that exactly the opposite is the case. Surely a professional with a professional reputation to protect and established safety protocols and subject matter expertise is much less likely to take risks than an amateur (though many of the risks taken on by an amateur may be unintentional from lack of experience).
So why would that opinion be stated by the FAA? I would think a better statement would be to say the FAA is bound by limitations of their jurisdiction and they are currently legitimately formulating rules and regulations for commercial use, and in the current system hobby pilots come under a different jurisdiction.