You mean like DND Beyond, a free character builder they have already licensed?
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I suspect that Wizards, as well as Curse and your FLBS, are much more interested in their customer base than their player base.
Note that I said complete. DDB is limited to the SRD content unless, as you point out, you shell out for the PHB etc all over again on that system. Even if you believe the idea that the PHB is a significantly different product than the one you already own, I don't imagine many people would be keen to buy the PHB just to get access to a character creator.
Some people like to do everything manually, using Word (or Excel, or a notepad), and some like a tool to make it pretty and convenient. The latter group is going to keep making tools like OrcPub for as long as 5e is popular.
Regarding your last statement, I'm certain you're right. My point is that the apparent eagerness to charge people several times for the same book is perhaps not the best way to make sure that, in the long term, the player base and the customer base overlap as much as possible.
As for my "FLBS," if I'm not buying MTG packs, or whatever Poke-thingie they're flogging the hell out of, they haven't got the time of day for me. I think they only have a few D&D books because WotC bundled it with MTG packs. Although, now that I think of it, they might be obnoxious to the Magic customers, too. If I want a book from a brick-and-mortar, I'll go to Barnes & Noble... they're always happy to see me, and they have coffee and albums on vinyl.