Silleypeoples,
I have not flown with a lot of owners, however your description of real life experiences and perception of realities seems very correct.. Anyone can go out and fly and make things happen - on the rare yearly occasions things are ever so slightly different from the ordinary and thats were a professional pilot with experience in his belt sees what lies ahead - as opposed to an less experience pilot - and makes crucial and life saving decisions (diversion, early established, on the numbers speed approach etc. etc.). Owners or less experienced "co-pilots/captains" may think they've got what it takes - it's only human. When you say NO as a pilot - thats when you realize you have come a long way - not when you say YES!
Silleypeoples, thanks for a very valid contribution!