The problem is the cost per repo... Some people would rather have a lot of small repos to hold all their random stuff, instead of trying to stuff them into a larger repo to save money.

I have personal projects at home that I've started and don't want to release yet. (Maybe not ever.) I'd love to put them on someone else's machine as a backup. But at those prices, it's not worth it.

Even as a business, there's probably a lot of little utilities that could have their own repos, but they don't get modified much, so they don't really need them. Github isn't an option for that scenario.

As for 'Why complain?'? Because money doesn't really grow on trees. Rich people get rich by spending their money wisely.