Because it is a useful warning mechanism.
Is it wise then to use a UV-B sunprotection cream?
The answer is probably: NO - such a UV-B sunprotection cream is likely to increase the sun-exposure time by the SPF factor with resulting SPF-factor times more skin damage.
Therefore we learned also to include UV-A factors.
How do we measure the effect of UV-A filters? Answer, in the laboratory - and we hope / trust that there is a good corellation between UV-A filtering and reduction of UV-A skin damaging effects like cancer and wrinkles, which appear after years of exposure to sun.
And then what about UV-C and other ionic radiations ?
I do not know - do you ?
