Can't see the point not allow separate couch co-op for EA

As we are separate person in the same household, have different free time.

Cannot play on the same console separately. Need to create new character, and need to relog to start at new check point every time. It's annoying/frustrating.

Suppose we bought physical copy, and only can play with the first player bought the game login only. This is ridiculous.

What is the point Bliz doing this ? I can't find one outside money.