I will not try to hide the fact the the chance on a HQ3 is low. However, your alternatives are to spend 50M+ leveling Goldsmithing to 100+ and try yourself or just settle with making 50-60k... this gives you an opportunity to make some serrious gil. I'm sure some will not want to risk it, but that's the beauty of capitlaizm. You gotta spend money to make money.
yes, so what this deal amounts to is an extraordinarily large tax on people using your goldsmithing services. Such a tax is standard operating procedure since, as you pointed out, you should be rewarded for your hard work leveling the craft, but the question here is about how high the tax is, not whether or not taxing is reasonable.
It's common for people to charge 10% or even 20% HQ fees on some items where the crafter is taking no risk, but you're effectively charging 50%. It's a terrible deal for your clients. And sure, it's individual choice whether or not to take up the offer, but they should realize that they're basically throwing gil into slot machines if they do this.