I can see the issue here. You buy the psd but most people wont have psd editing software, so they want to recreate it in word, otherwise its a useless format. You have to edit psd files just to type standard letters! These psd templates are ideal if taken to printer service and used in a typewriter, which is rare nowadays. Its a heck of alot of work getting these psd anything useful other than eye candy. Ive used psd pdf and ai files for years but for the average user its a big headache not having an easy integration to standard desktop software like Word which in business, accounts for the majority of created business letters. Most people dont have pdf creation software I guess.