BabyBear
Dont complicate things its as simple as this.
You are either a fun leisure pilot and like in any fun leasure activity you pay through the nose to do it, or your a professional and charge for your superior high level of knowledge and the confidence you instill in your adoring passengers that you will save the day even if both wings fall off.
White and Black! Anthing in between is called a grey area and a no go
Pace