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Financial harm is still harm. You cant sue unless you are personal affected in some way, financial, emotional or otherwise.

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Yes, financial harm is still harm, no argument there. But in copyright, the magic of "presumed harm" applies, so the plaintiff doesn't have to prove that they were actually harmed, hence statutory damages:

Statutory damages are a damage award in civil law, in which the amount awarded is stipulated within the statute rather than being calculated based on the degree of harm to the plaintiff.

You still must have been harmed in some way. You can't just sue and say "well somebody owns the copyright on that! You'd have to be the one to own it in order to sue. Continue reading about statutory damages and explains what they are intended for.

You must have your copyright infringed upon, that's not the same as being harmed. Hence why it's presumed harm - if the infringement itself counted as harm, there would be no need to presume it!

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