Software is the same way. Salesmen are there to spot opportunities and get a solution out to the customer. You may sign up for payroll services online, and not realize that for an additional $X/mo, you can get some sort of expensive regulatory requirement handled as well.
If you're dumb, and buy a $200 HDMI cable, how is a web form going to stop you from making poor decisions. A typical startup pricing page has 3-5 plan options.