Guess what? I know tons of people with kids who book their own tours, and your point is moot anyway, because if you have a family and have to be concerned about money, then you'd definitely go for the cheaper route, by DOING IT YOURSELF.
The only tour I've ever been on where the band wound up IN DEBT after the tour, was also the only tour I've ever been on with an established, reputable booking agent.
Except for Europe this past summer, I've never left for tour with more than five to twenty dollars in my pocket, and I've always made it through alive. That's kind of the whole reason I tour though, for the experience. I mean, sure it's great to promote your music, but that's just gravy.