Who are the two "private citizens"? Seems to be mere urge of "universal human exploration" to go around the moon and not landing on it, etc. isn't doing much exploring, but rather taking a lot of risk on a manned spacecraft that has never been tested with people.
Well the spacecraft will be tested multiple times before this mission and there are health and fitness tests before departure just like it says there. Both of those were addressed, I think you may have misread this.
I think you're missing the point, of course in an ideal situation where risk is minimized that would be a good question. But by focusing on money I think you neglected to address the obvious point that I raised namely what if it blows up.
Presumably they will test the spacecraft at least once before sending it out manned. We sent crewed capsules around the moon without landing during the Apollo program too.
