You need that for power regulation. One of the reasons that you can use a USB-C lead with anything is because all of the devices that require different power will just tell the cable that and the chip inside the cable deals with it. Otherwise there would have to be different cables for different voltage requirements.
You can do cable detection with just a few resistors. Why make everyone use active cables just for basic functionality? Aside from exceptional rare circumstances, consumer grade cables should be passive devices IMO.
You don’t need it though. The power regulation is a decision between the load and the supply devices, the cable is an unnecessary third party. The cable should just be a multicore connection between two things, not a third device.
If I had to go out on a limb though, I’d say it’s because manufacturers were selling cheap cables that didn’t meet the specification, and people were using them with higher power devices, causing overheating. By including a chip in the spec for the cable, you can push some of the responsibility back towards the cable manufacturer, and they can limit the maximum current to whatever they’ve designed to. In which case, we already do have different cables for different voltages - if your cable isn’t rated for 100W, then it might force a lower power even if your device and charger can do 100W. However it would be better if cable manufacturers would just meet the basic design specification to begin with, rather than creating unnecessary overhead.
A chip can literally just contain basic logic gates. Your aversion to them is based on pure Qanon fiction