Would they have taken the risks if the money was going into their own pockets rather than a charity? Notwithstanding of course that Bill Kenwright only has to rummage down the back of his sofa every time Everton need a new centre-half. I sincerely hope he has the decency to make up the amount they "lost" out of his own pocket - he can certainly afford it.
TCL - they do on occasion have "Joe Public" shows with pairs. I think it's just a way to slow down the action even more whenever they think they're giving away too much money. Now only 12 questions instead of 15 - yes, but with even longer gaps between them.