Re: Why?
Helicopters are mechanically complex and therefore pretty expensive to operate (in the range of US$1k per hour) and difficult to fly. Because of both, it is expensive to get a pilots license (in the range of US$100k, and many times that if you intend to fly commercially), meaning that you have to spend $$$ to fly yourself or spend $$$ to hire a pilot to shuttle you around.
An electric quad- or octocopter could be significantly less complex (since you would not have turbines or a tilt rotor), and with automation much easier to fly. In theory, together that could bring down the operating cost considerably, so even people that are not obscenely rich could afford an occasional trip, but also the merely rich.
So if you build one, the market will be there, even with all the limitations you mention in terms of restrictions, licensing, payload, etc.