Customary, I'm probably going to get downvoted for this but.. What part of there being a "transaction" makes the flight inherently unsafe? Does a "transaction"

Customary, I'm probably going to get downvoted for this but.. What part of there being a "transaction" makes the flight inherently unsafe? Does a "transaction" imply that the private pilot will be flying more to make money, therefore be less safe? If that's the case shouldn't there just be a limitation on the number of flights private pilots can do? Are private pilots not supposed to take passengers with them? If that's the case, maybe there can be additional safety/certification requirements imposed for private pilots (without requiring them needing to learn all the ins and outs of commercial 747 flights). A blanket ban just because there is money involved seems silly.