It's a lot cheaper to have spares in the panel, than it is to buy spares later when you need them. There are economies of scale that make this work. Plus, the ability for the supply house to get more from you, when you are in a pinch to source that missing breaker, or to source the breaker for which you forgot to specify GFCI or AFCI. You can find breakers from online suppliers that may be a little more cost-effective, but there still is an advantage to having them come built-in the panel is first made. If you have doubts about whether you need 12x 20A branch breakers for lighting and receptacles, as opposed to 10x such circuits, you put 12x breakers in the panelboard today, and the remaining 2 breakers are there if you need them. Job specs even spell out to add spares, to plan for the possibility that the owner wants to expand in the future.
Suppose you do a lot of work, where you routinely need to add a couple branch circuits to a existing panelboards, and there are prevailing norms for what brand is most common in your region. It can be more cost effective to buy a panelboard of 30 branch breakers, and scrap the can and interior, than it is to buy 30 branch breakers individually.