Surely...
Hi all
I'm not a commercial pilot (but ex senior airline man with hundreds of hours in single engine aircraft and gliders).
..But surely the point is simply this:
Commercial licences are there for a reason - they indicate to the passenger that a pilot has undergone a higher level of training, so the passenger can choose to make that flight or not.
It's why I – boarding any commercial flight – don't need to ask the pilot if his actual profession is plumbing.