All valid points, but do you think a pilot who goes to work despite being unfit to do so will be forgiven during an incident investigation because they are
not a commuter? The hypothetical and uncommon examples provided are neither necessarily linked only to commuting nor common occurrences.
What needs to change? Nothing. A pilot must not operate if unfit to do so. There are many recourses to deal with the few who abuse the privilege. Blanket rules are not the best way though!
Btw, I'm not a commuter & don't plan to be either.