"If insured, as responsible people do, would that not pay for transport back home ? " Would it? Only if the insured opts for it. You assume all should or would, or perhaps that it would be automatically baked in. That sounds to me like you have never read the small print of the insurance you buy when on vacation. Obviously you do buy insurance - you are a responsible person right? Or are you making me assume now?
"Nobody needs to be here, he's dead." Nice. Some people need closure. Some people want to see the location, talk to people who saw their loved ones last. You have, perhaps, an empathy deficit...