If the market is open and competitive then your concerns should be addressed by other vendors. There is no need, nor is it possible, for every product to be appropriate for every consumer. The 'motivation' for these providers is to achieve a return on investment, they can only do that by creating a value proposition that the market approves, which is not the same things as a value proposition that everyone approves.

It isn't entirely clear to me if 'rent-seeking' is the appropriate description here though. You aren't being forced into to this type of arrangement and are free to purchase from other vendors. I'd like to see a bit more regulatory capture, government mandates, and so on before it makes sense to me to start talking about 'rent-seeking'.

For example, the byzentine dealership laws in many states and the lobbying by dealers to maintain the status quo via legislation seems more like rent-seeking to me.