Normally, I'd completely agree that if it's a feature people want, then they can pay for it. But SSL isn't just about protecting the person's data, it's about preventing people from snooping their login credentials over unencrypted traffic (e.g. at a coffee shop). If they use the same login as their email or other accounts, then by excluding SSL from any tier, you're putting those users at risk, not just within your own app, but for their other accounts as well.
In an ideal world, if your app has the ability to login, it should have SSL. And I'm not trying to be a judgmental idealist either, just answering the "why" question after thinking it through. I'm certainly guilty of having a couple old apps out there I've not yet updated to use SSL. I think I may have to go do that now.