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Because I just finished the game with little to no grinding and with 2million Yen in my pocket at 91% compendium completion and ended at lvl 88... even defeated The Reaper and took a fair shot at the secret boss.
The game has plenty of stuff to make life easier on you; from multiple tarot draws, double spoils for breaking objects and fighting monsters, permanent stat upgrades, exp boni, catchup mechanics...
SP has the same features; there's plenty of (late-game) abilities that will allow you to stay in Tartarus forever (literally... although I really wonder why you would want to except to grind out for the secret boss) and that's even besides what I stated earlier... I think I had something like 30 Snuff Souls by the end of the game, some 20 Soma's and I didn't need to use a single one.
I'm honestly curious what you've been doing that you "struggle" so much...
See i know why Atlus does that, but i think everyone should be able to decide for themselves at what level they want to tackle bosses without the game punishing you for investing more time and energy to improve your odds in that fight.
Then make your own video game?
The design choice was to favor balance and consistent challenge and they have always done it this way. I just finished P5 Strikers and it ALSO uses the same system to balance XP gain and levels despite being an action game. So clearly they have no intention of changing it.
All the Persona and I believe Shin Megami Tensei games use this system.
Imma be real the game even on merciless is kinda a joke if you use everything available to you. Merciless just feels like a slog as your chars all do 40% or so less damage. The game gives you so much stuff that massivly makes the game easier, Yamagishis Oracle Theurgy being a big one, if most of the team is below half hp and you use it? she'll most likely use a full hp heal, if team is below half SP? she'll use a 50% SP restore for party, if neither of those are met a atk/def/eva/acc buff. You can dupe spell cards daily, one per day, and its instant.
Wanna make Merciless a real joke? farm enemies you can 3 of swords shuffle time cards, get spirit drain and drain ability, these let you for 3 sp, drain 40 sp out of enemies, its basically a free 40 SP heal in battle, I got this combo going early, and my MC basically has unlimited SP now, and can knock everything down by himself in almost all cases. Only issue is when something has no weakness, then its just a slog to kill it as on merciless all your chars hit for 40% or so less damage. Roughly takes double the amount of turns on merciless to kill stuff than normal. Its not really "harder" it just feels more like a slog/grind as during these times I am basically never in any real threat of dying or anything. I've only had 1 game over so far on Merciless, and it happened very early before most of the added features in P3R were available. I'm 40 hours into the run now, still haven't had another game over since.