Let's not look at it as an investment and instead look at it because it is doing the right thing?
If one isn't willing to make the sacrifices to breed responsibly, then one shouldn't be breeding, imo. There are tons of great dogs out there, but that doesn't mean they should all be bred, especially if their owners haven't taken the steps to ensure that the dog(s) have a clean bill of health. I don't care one bit if your son breeds his dog, but I would say that it is irresponsible to do so if the dog isn't cleared. Can't imagine someone providing a bitch if the stud isn't cleared, but I guess it happens every day