Earlier quoted context omitted.
If you don't understand something, the first thing to do is try to understand it, before going to "the people who use this are incompetent". In this case, the answer is right there in the question: You have to pay to bypass it.
Sometimes, people just do dumb choices, there is nothing to understand except plain lazyness, there is better captchas, free, non-invasive, more secure, GDPR compliant and so-on that are also not covered by captcha-solving providers, so what's the positive argument about reCaptcha?
Maybe there is a better option out there, but if so, it has the disadvantage of being hard to find.