You have to look at it from a net income perspective, not a relative one.
If a carpenter injuries his back, maybe he will sit for a month and lose a few hundred or even a couple thousand.
If an actor / producer like Tom Cruise injuries his back or knee for a month and has to sit out of casting, acting or producing, he will lose millions.
Would you risk losing millions?
With a white belt spazz who wants to smash you? Or would you rather pay extra and be more safe?
There's even contracts in many strategic positions of big companies where you are explicitly forbidden from competing (or training) in combat sports or doing other high risk activities like kayaking or skydiving. Injury or death can cost a lot of money.
It's not more "important", it's just more expensive.