If only all brains were rational like that, unfortunately they're not. Impulse buyers, game addicts, people with OCD etc. are all harmed by this system and it can cause a lot of problems for them. I myself have had to quit fortnite because of it as it caused me that much stress to do the passes within the time limit and if I failed then it felt like a kick in the gut that never faded away because that reminder of an almost complete pass is always there.
I don't expect the average person to understand these issues which is why I specifically target this post towards people who do have these issues and/or understand why it's a problem for people like us.