No it's basic physiology. Creatine helps to transport energy out of the mitochondria to replace ATP and shuttle it to the muscle fibers where it's actually used.
Working out depletes creatine and the amount is directly correlated to the intensity and duration of the workout as more ATP is required to be shuttled which uses more creatine to do so.
This would be like asking why more gas is used when you rev your engine faster or drive farther. It's common sense why.
The issue is that people take more creatine than they need because your body only incorporates enough to top off creatine stores inside the cells and then the excess sits outside the cells and pulls water where it causes bloating. Similar to if you decided to just keep pumping gas when your tank was full and it just spilled all over the ground or around the fuel tank on the vehicle.
Your response tells me you don't understand basic principles of physiology or workout science. Creatine is one of the most widely studied supplements and it's benefits are very well known. There is a small population that it doesn't seem to work well for whatever reason, but for the vast majority of people the benefits are real and the side effects are directly related to supplying more than the muscles can incorporate.
I'm just stating my observations. It's not like I ever did in debt research on creatine, neither have I used some fancy jargon to give the impression.
It seems odd to me that the tolerance is kind of low for so many people above 20-25.
That's all there is to it. Your argument in a nutshell is "people tend to use way too much," which I agree with. But then why not get it naturally if you don't need that much anyway and have the money for it? Matter of fact, doing it naturally would be financially untenable for the average person. Like I was saying, nothing wrong with creatine.
Reading science stuff about creatine has been quite a while ago for me, but I remember coming to the following conclusion:
"3g is optimal. Less daily creatine will have a negative impact on gains. More than 3g of artificial creatine will accumulate subtile bloat for most people over the course of years.
My trail of thought continued with something like this:
"If the body synthesizes 1-2g on its own daily, only another 1-2g external input would be needed.
Assuming the nutrition input is constant every single day, this is possible. Therefore, artifical creatine isn't even necessary to achieve 100% results in gains, strictly speaking. But never mind that, from an aesthetic point of view, refusing creatine will be superior concerning the face."
In other words, the risk of bloating can be completely eliminated without compromising at all. But again, this is assuming it's financially sustainable. High-quality organic food is expensive, especially in such quantities. In my opinion, this is the main reason creatine even got so popular.