I'll do some reading on the old gutter topics later.
I would say the gutter thing is an insurance problem, because its so risky. Probably need a higher risk insurance, like for tree work, because its requires getting off the ground. Thats also another reason why gutter cleaning can be profitable. Single story gutter that takes, what, about 5 to 10 minutes to blow out will get you atleast 35, 40 bucks maybe.