It sounds like what the other person is saying the primary motivation for this “engineering” is not to save money just because they could, it’s to avoid dispute

It sounds like what the other person is saying the primary motivation for this “engineering” is not to save money just because they could, it’s to avoid disputes and compliance risks as much possible (which incidentally results in them saving money). I can’t comment if that’s true or not, but I can easily imagine that this is the situation.