Risk is inherent to doing any business.
Compensation for taking risk is "Jєωιѕн values," like their "lost opportunity" and "time value of money."
The farmer doesn't get paid for his rotten fruit, but the Jєω gets paid for his "short" commodity option and loan interest.
The Jєωs won't do the back-breaking work, but they will make sure they get paid for their "risk."
To hell with that.

I hear what you are saying, but let's strip this down to a very simple example.
The fruit farmer knows that, on average, his crop will fail one year out of ten. (Actually, "failure" is a relative term, some years will be better than others, some worse, but just to keep the math simple, I'll use this, assume normal crops nine years out of ten, and no crop at all in one of those ten years.) One year out of ten, he makes zero money. He still has to live and to support his family.
Is he not, then, entitled to charge 10% more for his fruit, than it would be worth, if all years were perfect and he could sell everything he grows? He would, then, in this idealized scenario, put that extra 10% aside each year, and have it to live on, during that year that he has no fruit to sell.
No injustice is done to anybody. He always has enough to live on, even in lean years. The "market price", if you will, includes that premium he is paid as a kind of "insurance" against bad years. Rather, the injustice would be done, if he could NOT charge that 10% premium, and had to starve during that one bad year out of ten --- the injustice would not be to his customers, but to him. And if he didn't have a fruit farm (assume there is only one fruit farm in existence, and it is his, yes, I know, that wouldn't be distributism, but just follow my simplified example to understand the idea), nobody would have any fruit at all.
I hope this makes some sense. It does to me.