No need to duck, IO; we just have differing views on a couple of things.
Not everyone has lots of money to throw at flying (I wish I did, but there you go) and if someone flies a PFA type - already day VFR and mainly UK only - at, perhaps, £40 a month and £40 an hour, then you can actually get a fair amount of flying in for not a lot of money.
To stay current they also need to fly an hour with an instructor, if that's paid for because you're not having to pay for the medical then that's one less thing to worry about when the family are complaining that they need luxuries like food and shoes.
Perhaps it doesn't seem like much but it could tip the balance.
But I definitely agree with you on the initial costs - if it's going to take you 60 hours then it's going to take you 60 hours - regardless of whether there's an N on your licence or not.