Running a charter boat such as you do certainly is a way to make a living at what you love doing. My problem is opening my home to strangers week after week. Sure they may turn out to be incredibly interesting people who you might want as friends... invited to sail with you. But they also could be people you don't connect with or even worse. It's hard to know who buys your service and shares your home especially your boat. I could never do this. I did one delivery and the crew were sailors or competent crew. But several I literally couldn't abide... and that make the week not what it could have been. You never know a person until you sail offshore with them.
We aren't doing charters to make a living. That is incredibly hard to do, especially these days. We basically do it as an occupational thing. We like having a schedule and having places to be at specific times, and doing so under sail, whenever we can. And it is so much fun showing people our world; the phosphorescence in the water on a dark night, the stars in an unpolluted sky, and personally guided snorkeling, for instance. We may make a lot less than the 10 grand a week boats, but we get to go sailing a lot more often than they do.
Also, we get a completely different sort of passenger than I did when I was running very expensive charter boats, exclusively for rich people. I noticed that way back when I was a part-time bareboat captain. I much preferred the less affluent people and found, as a general rule, they were pretty easy to please and make friends with.
All in all, this time around, chartering has been a very positive experience for us. As for bad crewing experiences, I haven't had that much problem with that either, but I think as I aged I became a better captain (not just seamanship, but as a leader) and that made it better for all aboard.
However, you are absolutely right. There is a huge difference between being hired to operate a charter boat and opening up your boat (home) to strangers. Thankfully, we can screen our customers and don't need to take everyone who inquires.