I am troubled by the original question.
No one, as in NO ONE, owes the proprietor anything. If you want to open a restaurant you have to be prepared for all expenses, INCLUDING kashrus. The kashrus professionals are not obligated to subsidize you! They have bills to pay as well. They cant show the bank a picture of your establishment in lieu of payments.
Besides, the stat for failing restaurants is VERY high as in more than 4 of 5 FAIL. So where is the money coming from after it fails??
I am with the kashrus agency on this one (no, I dont work for them!) and for anyone who has the audacity to call it a mafia, I would love to meet you and show you what mafia is. After that you could go eat trief!