The reason for this choice seems to be purely commercial, aimed at getting PrestaShop Account and PrestaShop Marketplace installed. The former is virtually useless, while the latter has minimal utility, allowing you to see when an update is available for a module purchased on PrestaShop Addons. However, this module should have been kept disabled, as it unfortunately slows down the BackOffice by exchanging data with the Marketplace servers. Now, however, one is forced to install it and keep it active.
The only real utility introduced by these modules is also potentially dangerous, especially in versions prior to PrestaShop 8.2: it allows you to install module updates with one click in the BackEnd. I strongly advise against using this feature, even in WordPress, where it is much more tested. So even if you have version 8.2, where the most serious flaw has been fixed, I still recommend avoiding this update mode.
I have no words to describe the requirement to install these two modules just to use PrestaShop Checkout. At this point, I recommend switching to the official PayPal module alongside PayPlug, Revolut or other payment methods. I also recommend using only the GitHub version of PrestaShop, not so much because of the opaque exchange of data, but as a matter of stability and security.