In the wake of a death, there is normally little time or mental space to negotiate an unfamiliar way forward.
Death being the occasion it is, following what is taken to be protocol is, for most people, a mark of respect. There is a great reluctance by most bereaved families to do anything other than conform. The stealthy commercialisation of death over many decades has resulted in a culture where people think paying one’s respects is something to be taken literally.
Doubts at any stage of the process, but most especially around the compulsory paperwork requirements, can force a family to engage funeral directors.
Funeral processes have tight deadlines. There is a body, the tupapaku. There is, normally, a funeral date. There are jobs and family to get back to. All these things apply pressure. And then there is the reluctance, out of respect to the dead and everyone else involved, to quibble about expenses or be seen shopping around and swapping tips on how to save.
All this make people uniquely vulnerable to commercial predation at this time. When it comes to death, it is, therefore, important government paperwork requirements don't throw people into dependence on private business operators.