A fair question to ask but you should stop at the question, your assumption is in my opinion unfounded:
What a strong marketing gimic.
Most BMS manufacturers don't even have enough of a marketing department to give themselves a proper brand name, or make a product that isn't objectively ugly
![Wink ;) ;)](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
. So they definitely don't have enough of a marketing budget to have started some subversive marketing offensive that tricked the world into thinking they need a BMS.
Cell manufacturers and sellers who offer warranties often stipulate a BMS as a condition for warranty. These cell manufacturers are many orders of magnitude larger than BMS manufacturers, and I can't see what incentive they have in promoting BMSes beyond avoiding warranty claims and educating/protecting customers.
As you outlined above, some--but not all--of the functionality of a BMS can be accomplished in other ways, but why?
A BMS is not that expensive and its convenient security and peace of mind. Your solution is an active balancer + high voltage buzzer + low voltage buzzer. In effect building a rudimentary BMS-like-system but without any automated protection or safeguards.
As I see it the 3 key features of a BMS are (1)
cell level over-voltage protection, (2)
cell level under-voltage protection, (3) cell balancing. As you correctly stated, there are better ways to accomplish overcurrent protection, and cell balancing can easily be done without a BMS, but automated cell level OVP and UVP are where a BMS adds value to a system. Especially for those of us who don't trust ourselves not to be forgetful or screw something up, or won't be around to monitor the system. Is it possible to go without a BMS, yes, is it possible to do so relatively safely if you are knowledgeable enough and have healthy matched cells, yes, but the way I see it, a BMS is cheap protection, and many/most of us do not have the experience to safely go without one, and those who do have that level of experience mostly arrive at the conclusion that a BMS is worth it. Just my 2c