"PS I might add that it has very little to do with actual risk and everything to do with PAX confidence, no?"
I'd entirely agree with that, hence my post asking what the
real risk is, because as pilots we should be dealing with facts not fiction. If a so-called 'safety pilot course' allows PAX to get more out of flying that's good - if it leads them to becoming pilots then that's brilliant - however it still has nothing to do with safety!
If you imagine how distracted and distraught a qualified pilot would be if they had to fly their expiring spouse to safety, I'm doubtful that the outcome would be a happy one if the roles were reversed with the PAX having very few hours and no recency.
Perhaps I'm rather tired of businesses manufacturing 'problems' in order to sell you their 'solutions'?