the price of new replacement gear hasn't really changed a lot so it doesn't make much difference when you do it.And reimbursing for destroyed hives would have some issues. Times are tough in the industry but with the lower prices of hives, it would suggest that now is the time to check and destroy gear at it's lower value.
buying 2nd hand gear always becomes more risky during tough times.
reimbursement can encourage spreading. if having afb makes you money then they will make sure they get afb. eg in tough times someone wanting to downsize and can't sell hives would infect their hives to be able to get a pay out. ditto with any old gear thats about to go on the burn pile anyway.
that would encourage storing of infected material to be used in those situations.