I agree with you. I feel it is a deliberate boobytrap for newbies. Like hazing / initiation ritual. Your examples are from the ID box, not the Placeholder text.
But I am curious if anyone can tell me of a valid use for it. The forum is always interesting for varied workflows.
When I ID Unknowns for the Rest of Africa, the binomial is often in placeholder due to a tiny typo, which prevents iNat offering that ‘valid’ name. Or it is a missing species which needs to be Flagged for Curation. Perhaps a common name in another language. All are important and should not vanish unless the observer choose to delete.