There is a lot of utility in 1 to 1 links, but you don't need encryption to do that, while adding it does encourage it at the expense of other modes.

As for commercial activity, the whole point of the amateur spectrum is specifically to carve out portions of the spectrum free from commercial interests! I agree that commercial, and also unlicensed use of radio is important, but leave commerce out of the tiny portion (and it really is small) part of the spectrum that's specifically regulated to be free of commercial interference.