Every load is different, people are pretty jolly at fairs and similar events, and the hours you put in your log book represent much more challenging flying than droning along on a 20 or 30 minute scenic flight.
What exactly is challenging about it??? Day, VMC flying circuits to a field............doesn't get much easier frankly.
If you mean challenging because you are putting yourself, the fare-paying pax and people on the ground at risk and hope you don't have a malfunction - that's just dumb, not challenging.
You have alluded to large pax - do you calculate your AUM and C of G for each challenging circuit, do a power check before transitioning, consult the RFM to make sure you have enough performance margin to operate safely, give the pax a comprehensive safety brief and show them how to egress the aircraft after an emergency landing? Or are you too busy making money?