fishboy,
To reply to your first paragraph, I would say that, if most of the jobs you describe are also dangerous, people do not need a split second decision ( most of the time ) in an emergency. If something happens, either there is not much they can do about it, or they have time to look at the book. If you do not need to be superman to fly a helicopter, you still need more training, skill and experience to face difficult situations
As for your twin experience, insurance companies sometimes require the hours. Also, it is a way for prospective employers to select pilots. It is easier ( and cheaper)to employ someone with the ratings and hours. Lastly, it is the law of supply and demand. If no one was available to do the job, they would probably train somebody on twin from start.
Lastly, I agree fully with heloteacher comments.
Happy new year