You're impossibly dense, with a subpar grasp on the mechanics of the game arguing like a debater; you don't need a point, you just need a seemingly cleaver rebuttal.
The fact is, this game used to be about leveling up slow to get better at the game. Epic bosses are set up that way, Syndicate wars award more IP if you defeat someone of a higher level than you, and to a lesser extent, making sure you don't get robbed. If you stay tougher than 95% of your rivals (not hard to do; I'm in a top 150 Syndicate, no gold, and I run my own business so CC can't take a buttload of time) you can save more money and get higher on the LTB levels, further increasing your stats. Furthermore, Syndicate bonuses can be bought with in-game cash. Use that to bribe lower syndicates into becoming a baby Syndicate, like the SAS family.
TL;DR: In-Game cash is an important part of the game, giving us a nice advantage when LTBs come around.