The parent talks about "no cameras" in a clause immediately following a comment about line of sight flying. I read his comment to thus mean that a commercial license would be required to pilot remotely via camera.
I totally agree with you that the presence of a camera recording locally for later viewing has no bearing on the license. If that was the parent's intent he's misguided .
In your gutter idea, accepting $10 to check a neighbor's roof does make the job commercial, the same way accepting $10 to mow a neighbor's yard does, or bring over your scissors and give them a haircut. The fact some people ignore regulations on commercial, personal services doesn't change the nature of those services. In the aerial case, let's suppose mr pilot forgets about the overhead power line on his neighbors property and crashes into it. Oops, he's not an amateur making a mistake, he's a paid operator who's not bonded or insured.