Stability
The bearing is not a smaller bearing
An isolated building's bearings work displaced, sheared sideways by a large share of their own width, and the top plate then sits over only a lens of the bottom one. Design reduces the buckling load in proportion to the lens's area, which sounds like treating the bearing as a smaller bearing. It is not. Reducing every part of the section to that lens gives half the design rule's load, because the lens's bending stiffness falls far faster than its area. The rule works out close to a different and stranger object: a bearing whose rubber still shears across its whole area, while only its bending has moved to the lens.