these fees are simple math. you can stake 1.5m to masternode, or to pool. 1.5m is ~75k rac and this is about 10k bbp/day vs 4k bpp/day from masternode
so fees are covering losses to not stake as masternode
but 65% is still better than 0% for most of beginners...
You inconsciously forgot the cost of generating 75k RAC, which is about 600-800 a month.
Of course, this is not the case for the people that are hijacking from his boss' hardware and power grid.