I'm frankly not interested in continuing discussing the rest of this with you when the most you've said is "No that won't work and you didn't give reasons or evidence." To which I then point out that I did give reasons and evidence and you cycle back around.
But saying that this is somehow paranoid is a new.
ZhenGui literally would have been poisoned if Cui hadn't been watching for him.
Cai Renxiang explicitly informed that we should be careful of our mothers prior employ and inviting prostitutes into our staff.
At anywhere near our cultivation level convincing mortals of things becomes supernaturally easy. This is without adding techniques into the mix.
Having to spend Cai influence to fix our mothers fuck up is not a good look and makes us seem, for good reason, like incompetent fuck ups who can't even keep their two person family safe and functional.
Being with our family, taking focused time and effort to make sure they are well and will be well, is important if we want to make sure that these dangers are mitigated. Just like we should have made sure to keep an eye out for ZhenGui the first time.
That's not fear mongering. I'm not quoting people to throw this in their face, I literally only brought it up because you seem to think there is no cost to our family somehow.
Oh don't worry, I also grow tired of talking about this with you. It's because all your reasons and evidence can be summarized to: Spending time with family will strengthen them, because when when we spend time with family they grow stronger. Like even in this example you can't give any detail on how us spending time with them would make them harder to murder or influence. The reason we leave them in the sect village is because it's their responsibility to protect them, if bad things happened to our family it's be like spitting in the sect and duchess face and who in the world would be stupid enough to decide that's a good idea? Especially when it's accomplished nothing beyond make a mortal enemy of us.
This is paranoid because the risk assessment is close to non existent, especially when our ability to mitigate said risks is practically null. You really have to be reaching to think anyone would be foolish enough to try any of the things you've mentioned.
Notice how we just left ZhenGui sleep for 3 months without really checking up on him, because yknow, we relied on the sect to protect him, just like we're relying on them to keep our family safe.
Cai did say that and we ignored her and did it anyway, it's done or do you think we can wipe away the fact that they were whores? How do you figure that's gonna work? This is what I mean when I say that your 'solution' has absolutely no impact on the issues you mention. Like we could spend all our AP on this and they still wouldn't magically become not-prostitutes. You can't change their past by eating dinner with them more often.
You're perfectly right, hence why people making deals with mortals wouldn't be binding, those deals would have to pass through us first. No one in the setting would go "Your mortal retainer was convinced to sign off all your money to us, we got your now muhahahaha.", that sort of agreement would have about as much legitimacy as toilet paper.
The very fact that Cai could fix it mean people won't waste capital on it, but again, nobody is going to do that because it wouldn't make any sense to.
Oh yeah, cause now instead of us 1% of our time there we'll spend 5% of our time, so the window for them to come in our home and murder our household as shrank for 99% of the time to a whopping 95%, that's some intense mitigation, especially for a risk that'd have like 0.01% chance of happening in the first place, the only way I could see it even becoming a possibility is if we decided to torment Yan Renshu for shits and giggles to a point where he no longer had any future.
You've mentioned like a dozen bad scenarios throughout our discussion, but during the time our family has been here nothing even close to any of them as occurred, that's why it's fear mongering, because you're trying to push things that have inconsequential odds of occurring as likely and worse, your solution would barely mitigate most of them.