Dick you just made my point for me,
The reason some commercial aircraft only have one pilot is because that is the risk we are prepared to ACCEPT. If we were FORCED, then there would be 2 pilots. The fact we can ACCEPT a lesser risk means we have also considered the financial argument.
Thats why John Andersons directives have not been implemented, because we can't afford it. This means that whatever the residual risk is because of that decision, we have ACCEPTED it.
I used those words in my post to illustrate what John Andersons intent was, so yes my post was 'factually correct'