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Neither of these are compelling reasons.
Any time you have more than one pilot it behooves you to work out what people are doing, not just PIC vs. not.
Not my problem as a student.
Not your problem as a student? I thought you wanted to be PIC? Not really seeing your point here.
61.53 says that CFI's can log PIC anytime they are giving instruction (Not just with student pilots, but any and all pilots that you are flying with). Now why do you think that is? The FAA usually doesn't make regulations just for S&G's, so there's certainly a reason. I think it would be reasonable to assume that they made the rules that way because you are EXPECTED to be PIC, and will be treated as PIC should something go wrong. So, to answer your question of "Why should they be PIC?", That's why.