How exactly is a built-in soundcard line-in port considered "bad"? Exactly how is the sound quality bad? Mine recorded crystal clear for 5 years before starting in with the static after something clearly cracked or got loose. But, until then, it was crystal clear perfect recording.
the inside of a computer is electrically noisy, some motherboards will attempt to isolate the sound signals on a separate PCB layer, but that really isn't as good as just going offboard. USB interface is perfect for allowing you to remove the sound processing from the electrically noisy computer innards.
To most people the onboard sound will be good enough or they don't have good enough speakers/headphones to notice a difference. But to those who are concerned about high quality sound then you really want to use an offboard amp and DAC to reduce possible interference and also gives you the option of investing in higher quality components. (more advanced DAC or high powered lower distortion amps)
Like everything else you will spend more for higher quality (though with audio it quickly becomes $500+ for something 2% better so do your research before blindly buying something expensive).
It is similar to onboard graphics, they are good enough for the majority of PC users, but those who game or do graphically intense work will need a dedicated GPU that costs a decent chunk of change. Though with graphics cards there is much less diminishing returns than audio.
tldr; like with most things, as long as it works people generally don't care to spend more, those who do care can and will spend a lot more