Two words, hyper-mall.
Warp Girls can be convenient sometimes, and even though sure, you can warp to geffenia floor 3 with little to no traveling needed, but that doesn't necessarily mean that you're strong enough to take on the things inside.
Healers can be useful just to push the inevitable into the dirt so you can get on with your poring smashing.
But hyper-malls just kill off any sort of feeling of "achievement".
Nothing says "You're a soft, squishy little newbie cake that can't do a thing for him/herself" like a mall that offers everything, including cards, for little next to nothing.
And even if they're overly expensive, what's the fun in buying something?
Sure, you can go off on your hunting/raid parties, but a person with infinitely less skill can buy it all the same, leaving you feeling like you've been playing one of those old Mario Spin Offs (No matter how much you practice, or how insanely skill you are, little Joe-Joe from the 2nd grade still manages to kick your large, bulbous shin).