There is no proven case that the theoretical content for private pilots is necessary or justified and the bloated costs add insult to injury. It is unjustified day light robbery. I wouldnt mind if it could be justified on safety grounds.
It is equally unjustified daylight robbery for
any pilot, no? The relatively simple, attainable-for-all FAA instrument rating does not distinguish between private and commercial pilots for instrument rating... because the distinction makes no sense.
Yet another stratification of the irrational and over-complex does not seem like any kind of solution - it actually reinforces the problem.