This is really just finding a compromise that can work for everyone. I think a lot of smaller SD cards were formatted initially with FAT 32, which doesn't allow files over 4GB. So, imagine some unsuspected person is taking awesome video, hits the 4GB limit, the drone can't write to the card and close the file, so the whole video is corrupt -- there would be all kinds of posts how could DJI let that great video be corrupted. While its not an issue for modern larger cards, who knows what everyone is using.
I'm sure it's possible to put in a software switch somewhere, but as we see from this forum, lots of people don't read the manual or look around at all the settings in the software, so we would have the same problem
As noted, GoPro does the same thing (although haven't tested it with my new one yet). It's the safest solution that makes sure videos aren't "lost" with the inconveniences of those taking long videos having to merge them together in post, which is usually not a bid deal at all for any video editing software. (I actually use different software if I just need to cut or merge so that I don't open up the full editing suite and its quick)