Put a box on the table in front of you.
Now, using your finger, push in the center of an edge. It’ll move more or less straight.
If you instead push almost at a corner, it’ll want to turn.
The same goes for aircraft. You want to line up the engines where they’ll push the aircraft straight, or slightly upwards. You do not want to put them where they want to push the nose down.
I’ll give two more reasons that I didn’t see other commenters add:
2. For commercial airliners, passenger comfort is a big deal. Having the engines below the wing and away from the cabin mitigates the noise.
3. If the engine were to detach in flight then it’s better for it to be able to fall away cleanly rather than potentially falling onto the wing or worse hitting the control surfaces at the rear.
When I did ground school we talked a lot about parasitic drag [https://en.wikipedia.org/wiki/Parasitic_drag](https://en.wikipedia.org/wiki/Parasitic_drag)
I’m not an AeroEng but I’d think that you would not want to break the air flow over the top of the ~~where~~ wing where 80% of lift is generated.
Edit: typo
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