It's just another layer of protection. Even if the card fits ok, it still slides around some if the plastic isn't there. Most of the pre-war cards are so thin that it's difficult to make a holder that with a thin enough pocket to hold the card in place. I've seen a lot of SGC holders (not picking on them; great grading company) where a card like a T206 has slid behind the black insert and is at great risk to get damaged.
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