I don't think anyone's making fun. To photographers it's an important topic that affects business. IMHO, most consumers aren't educated about copyright and what it means. And why would they be? Just about everyone I know thinks that if you get your pics taken at
Walmart you can scan 'em, copy 'em, do whatever the heck you want with 'em. And they do. Because most people don't know any better. Which is why OP asked. But I think that educating people about it is important.
Some photogs choose to include rights to reproduce your photos/high res files in your packages. Some choose to charge you extra. You can bet that in either case, you're paying for it some how. In many cases, the photographers who choose to include rights/files do so because they don't want to be bothered with creating albums. Their choice for their business model. But in many cases, photographers are feeling pressured into doing it "because all the other photographers are doing it".
If being able to post your pics online or make your own prints is important to you, choose your photographer accordingly.