In addition to the damage issue, the loss of a demo model while a speaker is being used in a home trial, the main problem is that most customers cannot take a speaker home for quick trial that is fair--it takes a lot of experience, experimentation, room treatment, etc., to make a speaker work right, so how can one do a meaningful in-home test over a day or two?
One of my local dealers offers to do the setup at the customer's home. I don't think there is a fee involved, at least for regular customers, unless the circumstances are extraordinary (he has travelled long distances and stayed over night to do some setups). Even a quick setup of the speakers typically involves at least three hours of moving the speakers around and listening. I know stuff that does not work out gets returned to the dealer, but, I don't know what is the financial arrangement. This dealer does a lot of horse trading to make things work out for his customers--he takes trade-ins, including non-audio items that are truly weird--cars, big game rifles, vintage chess sets, watches, etc.