It's basically a proof of "most basic effort" that you're serious. You could probably note down some stuff on a single A4 and get it approved, it doesn't have to be a 40 page dossier.

Kind of like fizzbuzz, just something really simple and most basic to get rid of the "easy scams" and so on.

Edit: So "easy scams" are probably the wrong word, I initially wrote "riffraff" because in my mothertoungue that isn't so... disparaging, but what I meant was that it's used as "bare minimum filter" basically.

That doesn't really sound like a barrier to the easy scams at all. It just sounds like something someone once thought would be a good idea and now everyone has to do it because that's the process.

How would this get rid of easy scams?

ChatGPT, give me a convincing sounding business plans for starting a bussiness in Germany.

Done.