I still think it's crap. Low odds of happening does not compensate for the fact that there is no way to reduce the risk.
The low odds are the reduction in risk it self, would you rather have the risk of being robbed everytime you travel as a priest however hiring guards would make the success rate of successfully being robbed at 5% or just have a 5% chance of ever being robbed. The risk is still the same regardless your argument is illogical respectively.
Looking at it as an equation to hire guards you'd have to increase chances of a robbery occurring, in order to balance out the present equation which would take coding time and a perk that really changes nothing. It's best to let your argument die and leave this alone.
