some schools dont authorize touch and gos, too many got incidents by switching the gear instead of flaps, etc...
insurance companies pay for these incidents/accidents at a point they will ask you to not fly anymore...even grass runway are prohibited when you need to know soft landings.
when you have 2-3 plane crash in a month, like short of fuel or forgot to lower the gear and hard landing.
view the cost of the maintenance. I can see why they dont allow you to fly the plane they way we want...who to blame at the end?
just go in a flight schools, and see how some of us treat planes.
planes not tied down, flight control not secure, key and master switched on, food & paper on board...
if some were a little bit more respectful toward the plane they fly, schools wont pay some much insurance...