Yeah, but there is a lot more risk.

If you lose your corn crop the government is there to help you.

If you lose my kids...well...I have a lot of time to plan something very special for you.

Seriously, taking on people's kids is a real big deal. They go on multi-day campouts in the high peaks, paddle moving water, even the horses are serious risks. Takes staff and training and supplies. That all takes money.