It’s about the potential for a middleman, right? If you’re on public wifi, that could be dozens of strangers. If you’re on your home network, that should be limited to people working at the ISP. Am I missing something?
On a related note, I worry when a hotel gives me a wifi password but doesn’t give me the network name. As if any random person couldn’t just setup their own wifi network and name it something related to the hotel.