I agree with you, but I think the main problem was that Commodore did not make hard drives standard hardware until far too late (if at all). Therefore programmers (of games at least) were forced to work from floppies, and basically I don't think great games such the Beast Trilogy would have been possible without endless disk swaps.
Programmers had to make the most of a crappy medium, and I salute them - they did a damn good job. If most or all Amiga owners had a HD in these early days I imagine that it would have become commercial suicide to release floppy only software.
But unfortunately, even as late as 1996 game companies released floppy only games (i.e. the various incarnations of Street Fighter II) Why? Because even on the base level Amiga of the time, the A1200, a HD was still pretty much optional. Of course Commodore was dead by then. Ah hindsight.
There is no excuse for application programmers though...
