knowing a lot of women who take enormous risks with their health, whether it's out of ignorance or greed or just lack of caring. I know some who think that spermicide kills all STD's (and this is no BP provider and no 18-year-old idiot). I can give you several other examples of misconceptions I've heard from experienced, reputable providers but I think that one is pretty indicative. Denial, ignorance, and a willingness to brush things aside to make an extra buck, score an extra 10, or listen to a stupid guy who nags and pleads and promises he's clean.
It's human nature...people always think nothing bad will happen to them, and make stupid choices. Or, boundaries just become worn away over time.
I'd also argue w/the fact that it would interrupt their livelihood...nobody can really make accusations on the boards about STD's, because it's considered hearsay. And, even with a recurring STD like herpes, a girl can take suppressive medicine or just take off during outbreaks (or just take her chances).
I'd feel safer with SOME civvies than SOME providers (and vice versa), but I'd take it on a case by case basis. I don't think we should be telling people that providers are any more or less likely to be informed or take precautions with their health.
That's the insight I've gained through my personal working relationships with many well-regarded providers, both independent and agency. So it might be different from yours, as you've had different experiences.