Basically, because fans aren’t as good.
Liquid cooling can cope with higher temperatures and cool components down more quickly.
For PCs being used for light tasks like web browsing or word processing, a fan can manage fine. Computers being used for computationally strenuous things – like gaming, CAD/graphical work, crypto mining or similar produce far more heat than a fan can deal with.
Think of it this way – if you were too hot, what would cool you down more: blowing a fan on you, or immersing yourself in a swimming pool? How hot would you need to be until the fan wasn’t good enough, and only the pool would do?
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