Lawrence knew why most people won't higher the difficulty of the challenge at the start is because they were afraid to go bankrupt if they lose many times, so people like Lawrence are rare in the receptionist eye, and the need to pay is because if the league cover the cost of repairs in every battle then they would go bankrupt, because there was hundreds of people challenging in every gyms everyday, so what they did was to make a rule that you will need to pay in every challenge but the league will not pay the gym leader but just give them authority and privilege as well access to rare material