In the US, there is a huge market for those peddling certainty and reduced risk while also taking on very little liability of risks associated with the work. P

In the US, there is a huge market for those peddling certainty and reduced risk while also taking on very little liability of risks associated with the work. People love security theater where some professional swoops in and assures them everything is fine. In some cases you have to rely on an expert but in many cases, I've found that for anything significant, I can't outsource risk assessment because it's not worth it most of the time. No one doing the assessments have enough liability or incentive to do a deep assessment, it often simply costs too much relative to what you're assessing. Now if you're completely naive or ignorant about something or the total risk is known and is relatively low, then it doesn't hurt to pay a small fee for the quick risk assessment passover made by an expert who will be more likely to spot things than you. Also, if someone really has significant liability for their assessment, they tend to be very direct to the point of pointing out low risks they normally would brush over. I recently purchased a home and it was hooked up to a private well. The seller said it was fine, the inspector said everything looked fine based on old test data, and a private well inspector said it looked fine. Not a single one of them thought it was worth testing the water quality beyond the bare minimum, only concerned about quantity. It turns out, I spent a part of 4-6 years developing water quality monitoring infrastructure and performing water quality analyses and had it not been for the knowledge I had and always skeptical attitude, I wouldn't have batted an eye. I told them to all stuff it and perform a water quality test or I was rejecting on other terms. Good thing I was difficult because there were all sorts of issues (bacteria, organic and inorganic issues) and I may have even gotten sick or a guest could have gotten sick. Years ago I had a health scare and saw three independent doctors that thought it was nothing, even after describing my symptoms but there were too many red flags for me to ignore accept their opinions. I suggested a specific condition to each of them and they brushed it off like I was crazy. They didn't have the same level of risk or incentive for their time in their assessments to push forward and didn't want to acknowledge that even a low level of uncertainty could be true. Sure enough, I found a fourth doctor to check, they listened, and did appropriate diagnostics eventually confirming via lab and in person diagnostics I was correct. This isn't something that frequently occurs, not a hypochondriac. Professional risk assessment can be useful but you should always be skeptical of it given the lack of liability and incentives many have. They want to get paid and move to their next transaction. Such is our highly transactional society where people really don't care about other people or can't afford to care about other people in the name of efficiency.