Your point is valid for individual developers or small teams of technical folks.

However, MCPs are a godsend to anyone trying to manage access to systems (especially SaaS systems) in a large organization that includes a ton of non-technical employees. We use at least a couple of SaaS products where RBAC is severely limited in what it can govern or where API keys do not have any kind of governance so handing one out is basically handing out read/write on the entire system. Being able to configure an MCP to only have read endpoints enabled it a very useful piece of duct tape. Obviously it would be great if the underlying API was just designed with proper governance but that's out of the user's control.