The payload in RFC 6520 serves a clear purpose, one discussed in the open on the TLS WG mailing list, which you should probably read before casting stones.
To wit: TLS Heartbeats were originally intended for DTLS (in fact, the first draft was apparently DTLS-specific). Datagram protocols have a problem: if datagrams are too large, the IP protocol will need to fragment them. Fragmentation is calamitous for performance and reliability. So sizing datagrams is tricky. One technique for solving that is "path MTU discovery". The original use case for TLS Heartbeats was, as the RFC spells out clearly, PMTU discovery.
The payload/padding split exists so that one side of the protocol can send large messages, and the counterparty can reply with smaller ones, relying on the fact that the message includes discardable padding.
It's not a good protocol. The functionality is implemented at the wrong layer. And the inclusion of the extension into TCP TLS was a mistake, one (also) discussed on the mailing list. Unfortunately, the way standards work, it's easier to say "yes" to new features than "no", and it was easier to add the extension to both TCP TLS and DTLS than it was to hash out the argument of whether TCP TLS needed the feature.