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Lead to Opportunity Sales Process

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I'm confused. We're implementing Dynamics 365, but we're not familiar with the purpose of the Lead to Opportunity Sales Process. When using other CRM solutions like Salesforce or Oracle, a lead is a stand alone object that you work and then "convert" into an Account and a Contact and if there is potential to do business, then an Opportunity too.

The BPF that comes out of the box is forcing a specific process, is there a reason that a lead is designed to be worked this way rather than just allowing a User to enter information and select "Qualify" to create an Account and Contact and not an Opportunity (unless required), as is the case with a solution like Salesforce?


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