I'm training to become a DM because I WANT to help divers. Actually, I've always liked the buddy aspect of diving and wanted to help other divers during OW classes. Becoming a DM is just a means to ensure that I'm competent to help another diver.
I've learned that a DM can be tour guide, a safety assistant, and a teacher to limited extents. Nobody should expect a DM to be a "dive caddy".
As for safety, on a boat a DM is there to set the hook, count people off the boat, and back on. Maybe they are are also performing services as a rescue swimmer.
If you are paying a DM for a tour, you are paying them for their specific knowledge of the dive site. There is a safety component to that, but it relates to the location- Swell, Current, thermo/holocline, underdog, venomous animals and such.
If you are paying a DM for a refresher course, the DM is there to review skills you are already familiar with in a safe way. But they still aren't a dive caddy. When they remind you to check your remaining gas, thank them as a good dive buddy. When they show you how to replace a mask underwater, thank them as a DM.
I'll have to pull out the DM manual again. Good topic.