Why not? Think of it from Tesla's point of view, rather than a Tesla owner's point of view....
The FSD-on-city-streets feature needs more beta testers -- but not too many all at once. How do we select them? We don't want the guy who was arrested last week for taking a nap on Autopilot to use it (yet), or the gal who did the same but was not arrested. So we come up with some metric to select drivers who are attentive. The metric doesn't have to be perfect, but it should be more likely to exclude Mr. Sleepyhead than to include him, and to include Ms. Attentive rather than exclude her. Using existing monitoring metrics for the Tesla Insurance program makes sense. Those metrics have been studied a bit. They aren't perfect, but using them is better than not using them. Coming up with a better metric would require considerable R&D effort, but Elon wants to push this thing out ASAP, so we don't have time to do that. Add a way for applicants to see their scores to keep them happy, and perhaps encourage good driving, and voila!
I don't know that the above accurately represents Tesla's (corporate) thinking, but I suspect it's close. Most importantly, the safety score is for Tesla's benefit and convenience, not ours. It's not meant to be perfect, comprehensive, or fair; it's driven by statistics, to get a reasonable sample of safe drivers, not the absolute best of the best of the best (to quote "Men in Black").
Also, remember that this isn't about getting FSD features vs. not getting them; it's about when you get them. You've been driving all your life without FSD, and going another week without it will (almost certainly) not kill you. In fact, given that it's a brand-new technology, getting it before it's fully baked is incurring a risk, especially to pedestrians and bicyclists, so we all might want to re-think our eagerness to get it.