Have you also taken into consideration the death rate in smaller planes, much higher than commercial craft. The moment you attempt that with a 'high capacity' craft you'll suddenly find yourself regulated out of existence by a book written in blood.
I'm not saying they're bloat. They're a tradeoff between cost (man hours of work) and lives. They've increased the cost of small planes tenfold but have saved tens of thousands of lives.
I've done that lots of times. As do almost all people flying Cessnas, Moonys, Pipers and the like...