I cant see any reason for it … maybe you can give me an explanation.
Money
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You don’t for all mp games.
Back in 2022, Xbox changed its Xbox Live Gold membership to no longer apply to free-to-play games. That means over 100 titles are now truly free and don’t require a paid subscription to play them. You will still need a free Xbox Live account but don’t have to pay for Gold membership.
Other than that, servers cost money to keep online
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You implement that Servers for Consoles cost more than for PC 
?
I know that Free2Play Titles are also Free2Play for Multiplayer (excluded Destiny 2 MP)
But the question is still why you have to pay for consoles MP and for PC not. Btw. most games using modern Engines they work via P2P or Dedicated - in both cases only 1x masterserver needed with monthy costs around 10$. (or take a look onto Unity Engine Server solution or Steam Service … Epic Games Server integration)
A console is cheaper than a PC so you are lured into closed system. Where you can be forced to pay for online because you have two choices: Pay, or no multiplayer for you.
One of the reasons I stopped buying consoles after I was done with the 360.
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