Why would you trust another human with something worth so much? when they are not contributing the same amount as you? .
Yea, this is why I never trust nurses. If it were me I'd not let any badly paid people who don't pay the vast amounts of tax I do work on my body....non of them contribute like I do.....oh wait. I appreciate this is not the point you're making as it's out of context but your mindset does seem to put logic over the heart. Now nothing wrong with that, but people are all wired differently so what seems the right thing for you, may not be for others.
We were all young once and think how easy it is to have great shags in your own house mindset often outweighs the "but what if it goes wrong" mindset.