You're not

it seems the obvious solution, there are very good reasons why they decided to go Steam only (at least this time round) I know most of those reasons but can't divulge them all.
The security and secrecy that surrounds the release of any new game is akin to that which existed in the cold war, so they say as little as possible and people are reluctant to talk at all in case they give something away (I'm not making that up)
You say it's about money, it is and it should be, but please note they're trying to increase profit by increasing sales and not by putting the price up (when did the price of FM last go up in real terms?)
They are not claiming that this will prevent piracy, but if you have any in depth knowledge of how piracy affects sales you'll start to realise why this approach has been effective for other titles and therefore is likely to be for FM.
As always it's on trial and if it's not effective, or better solutions appear it won't last, my feeling is that it will and that people need to come to terms with that.
As to the evils of Steam, it'll be problematic for a tiny minority and it's incumbent on Steam kicked along by Sega to resolve any issues, they have a good track record for doing so in spite allegations to the contrary.
The objections to installing it are actually irrational given what it does because you already have more intrusive things compulsarily on your PC and because if your PC is good enough to run FM it's good enough to run it via Steam with no noticeable performance issues.
Mac users get more issues than PC users, well they do with almost any software, that's a fact because the support and investment devoted to Mac is proportional to it's market share in almost all cases.
The natural resistance to being told you must have something on your PC to play FM is totally understandable, it's a basic trait of human nature to resist doing anything you're ordered to.
I mentioned seat belts but there are many other examples of people hating to be told to do something even though they actually know it's good for them, most people who actually love FM will get over that and (like me) install Steam and forget they ever had concerns over it.
The few who cut off their noses to spite their faces will soon not have any new game to play, bar niche ones because this is the way it's going to be, that's their choice.
I feel desperately sorry for those who actually will lose the ability to play FM but their numbers are infinitesimally small and as has been said the same situation is created by other things like increased minimum spec so it's not unique to this.
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