Robert, please understand that you are asking the peanut gallery. If you want a really deep discussion, spend hours on the phone with support.

The first link has a yellow bright idea banner that states "If you are the owner of the firm, manage your office, or are the only Lacerte user in your office, you must: complete the initial setup, and invite additional software users (if applicable)."

I think the simple answer to your question is because you would like to use the program and that is a hurdle you must clear to do so.