ZIPS were never meant for the average consumer. They were around long before Amiga and used in commercial systems at first. Like a lot of the stuff to reduce the price of Amiga computers and attempt to make them desirable over the IBM and clones they used what they thought was the most cost effective.
Most people when these were new had a shop install them from what I remember. I cant even begin to count off all the times I install stuff for people in the early days at user group meetings in Santa Clara.