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RichardKennaway comments on Things I Wish They'd Taught Me When I Was Younger: Why Money Is Awesome - Less Wrong
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On the topic of house cleaning, I think that a lot of people (including myself) just really don't want to see strangers in their homes. If rich people generally don't have problems with that means there are some psychological differences. When reading historical fiction the fact that even middle-class families had servants looks really weird.
Rich people's servants, and even middle-class people's servants, were live-in members of the household, and as such not strangers. The risks would be rather below those of an employee stealing from the workplace. Which does happen, but workplaces still work. And in a household that had someone come in to "do for them", the woman of the house would customarily have been at home.