Why is that? Why wouldn't they take the money if someone wants to license their software and host a private Q&A site? The FAQ doesn't give a reason.
That's why they enforce people to incubate a topic site and only allow it to go through if it's substantial enough.
If you want to have your own SE-like site, you may want to look into AskBot - it's very good.
Recently, the Ubuntu community took down a lot of wiki pages that had howtos for ancient versions of the OS.