Most of their products are like that. There are a lot of specific language support features in each one that may become available as plugins later on but not at the same pace or “fullness” as the specific product itself.
For example, PHPStorm has good JavaScript support but if you want really good Typescript support you should probably go with Webstorm.
Alternatively, I can totally write Rust code in Webstorm through the Rust plugin but I’m better off using CLion that has better support (or now RustRover which will be where all the latest Rust support features are added, although it’s still a preview product afaik).
Also worth noting though that there are indeed some “tiers”. Like Webstorm won’t support PHP but PHPStorm will support JavaScript/Typescript (again, not fully but enough to maintain a front end operating off your PHP backend)
Not to mention that they overlooked the fact that for some people - a sizable number too - the reward can be in helping others. Not everyone is a pariah looking to churn profits while pretending to care about other people’s needs.
Unfortunately the barrier to do this in capitalism is high, because like you mention, if you’re devoting your time to something that is not immediately producing profit then you may lose access to those basic needs. Companies can weather those losses, but will then want to make up the costs by - usually - using shady practices.
That’s not to say communism is the answer. But it surely isn’t capitalism as we have it today.