Historically roads were routes of military travel primarily. Trade (REAL trade) as somewhat reprfesented in CIV did not take place on a massive scale along roads. It was by boat along rivers and coastlines. For example, do you think the corn shipment from Alexandria to Rome or Constantinople could have taken place at all along middle-age land routes as it can in CIV? No it didn't and it couldn't. No massive draft animal convoy could manage that kind of commodity shipment.
Real trade along roads historically didn't begin until even after the railroad. This is why cities until 1940 or so in the US (for example) didn't develop except: on coasts, by rivers, by rail lines.
Imagine how much trade would come by road if the internal combustion engine didn't exit.
See it now?
Again, armies moved quicker along roads- and this was their main purpose when built by a civilization (not paths and dirt tracks, I mean real roads, as in Rome or Byzantium).
So the short answer is: to mimic history a bit better. I want the unit movement effect but not the trade effect until a later tech. It's too apocryphal to have a large inland city rich in trade goods without any river/water connections as it is now.