The commercial robot would be put to use for you, and you would get a percent from it. The purpose is for you to “own” the Robot, specifically so certain people can’t complain about having their taxes/labor stolen.
You can’t get more in order to prevent corruption.
The personal use Robots are just there to do stuff for you, but you can’t use them to get money.
The alternative: let the ultra wealthy be the only ones with robots, and watch them literally take everything, and evict us to swamps. The lucky few get to be sex slaves, zoo animals, and torture victims, while the rest get to starve or be hunted down by drones.