I'm one of those crazy people with 4 kids of my own who also had 5 daycare kids always and managed just fine and back before some of the rules changed also had a couple over age 10 siblings in the summer including one who was legally blind but managed remarkably. Insurance covered us for that cause it was what was legal.
There is a big difference between a person with 4 kids who has experience at the different ages and stages and presumably a house large enough to handle them all and their toys and stuff looking after 5 more kids than a person who has only their own baby but wants to stay home and takes in 5 kids never having experienced the need for safety gates or what a toddler can climb on or get into. It isn't about how many children are in care it is about the ability of the caregiver to manage them all. Some do well and some do not.

