Law is written in the literal sense. What is written is what "is". Where definition is required it's provided. There is no allowance for interpretation. Where you might be running into comprehension issues is in the definition of payment/consideration/compensation. When a law is written allowing or prohibiting compensation they don't go down rabbit holes to exempt this or that. Payment or consideration of any kind is payment in the U.S. We might want to remember that U.S. aviation law forms the basis for much of the world's aviation law.
In the area of differences in flight safety between a commercial and amateur pilot, an area I feel drone regulations seriously drop the ball, is with full scale aviation a commercial pilot is trained to much higher standards in all aspects of the operation of the aircraft. In full scale a pilot is trained to make maximum utilization of an aircraft's capabilities. This is an area where an amateur/Private Pilot can run into a lot of problems as their ability to control the aircraft in some situations may not be up to what is needed to survive when attempting to maximize aircraft capability. So they crash and die, perhaps killing others on the ground. IMO it's unfortunate that all commercial drone operators don't have to test and demonstrate their ability similar to full scale. That day is probably on the horizon but it's not here yet. However, a commercial drone operator at least in principle certifies through their testing process they are cognizant of all the rules that promote flight safety and have the ability to recognize when a flight or action would be unsafe. The commercial testing process also establishes the commercial operator is aware of his/her responsibilities in understanding their aircraft, systems, and emergency procedures should they become needed. They also certify they understand airspace and how it is to be used. Anyone can read the various forums and easily see that most amateur operators don't have a clue in any of those areas and are totally dependent on their aircraft's automation to save the day if and when something failed within the system. That something will eventually fail is pretty much assured.
We should bear in mind that drone regulations are being written using pre-existing full scale regulation formatting so drone flyers hoping for more laxity in regulation are not likely to see much of what they hope for. We should also understand that commercial aviation regulations are heavily influenced by professional aviation groups that are doing all they can to protect the jobs of those employed in manned aviation from incursion by drone operators. Commercial carriers are adding even more influence to shape the regulations to favor their slice of the commercial pie. In the EU and UK they already pretty much own the the airspace system. In the U.S. many of our regulations were developed "after the fact". Our CAA became the FAA to start getting a better handle on air safety after a mid air between a couple airliners over the Grand Canyon. A great many new rules have come into being only after many people died due to a lack of them. Where drones are concerned, even though regulatory agencies are far behind where they should be, they are trying to get ahead of the game by developing rules before people are killed instead of after. Something that has become very clear over the years is that aviation accident rates for amateur pilots are much, much higher than they are for commercial pilots. Professional pilots, even with drones, have a better understanding of what they fly, train to higher standards, and work hard to maintain their proficiency. Their livelihood depends on it. I think we can agree that is not the case with the average amateur hobby flyer.
I'm always a sucker for a well-crafted post - especially by someone who knows a lot more about the subject than I do. But I have to challenge you on a couple of points.
Firstly, the need for safety regulation is proportional to the risk. The commercial drone pilot who flies over and close to crowds of people and built-up areas is obviously a potentially greater safety risk than the guy who flies in his back yard and nowhere near crowds of people or big buildings. So the two do not need the same qualifications, permits or oversight. And neither of them has anywhere close to the level of responsibility of a commercial passenger jet pilot. So, to me, it's a nonsense that the rules and regulations for manned aircraft have simply been copied to cover small unmanned drones with a top speed of 50mph and a mass of just 2kg.
Based on what I have just been reading, more of which shortly, the lawmakers and regulators have reached the same conclusion, in Europe at least.
I also think you might be scaremongering with your argument about the significant danger of amateur drone pilots crashing into pedestrians. The fact is that they are not allowed to fly within 150m of pedestrians and any who did would quickly be reported. I suggest the obvious: if there have been so few reports of pedestrian accidents, that can only be because there have been so few pedestrian accidents. Of course there is the potential for abuse, drunkenness, joyriding, etc but any pilot with a full set of certifications could also be guilty of that. And even airline pilots can slip through the net and decide to commit suicide when they are carrying 300 passengers. So there can never be a guarantee of safety. What the drone regulations should do is tailor the skill, knowledge and capability of the pilot to the risk he wants to be exposed to. And if he doesn't want to fly anywhere near other people or buildings, that risk is infinitesimal - and primarily limited to himself and his own property. So he doesn't need any qualification if he doesn't want one. And, to revert back to where I came in, I think he should be at liberty to accept a casual payment is one is offered to him, as long as he doesn't raise his risk profile.