Your typical consumer drone offers some great flight features and decent reliability, but has not been stress tested for many safety certifications. Just like passenger aircraft, the manufacturing standards, parts, and redundant safety systems for most commercial drones are treated as though lives depend on it. These components and systems, as well as the upgrade to thermal cameras, RTK GPS modules, and extra accessories like parachutes, simply cost a lot of money to begin with. You'll also find many commercial drones are made of carbon fiber frames, which is an additional cost.