And bear in mind that not all are rated at 65mph. As I posted earlier, the ST tires I took off my camper were rated at 62mph ( I believe that is 99kph ? ).
Everything has to have a design limit. A "redline" to put it another way. It may be pressure. Or heat. Or rpm. Or reciprocating speed for some devices ( pistons and rods for instance ). Etc, etc. So the manufacturer states those limits and it's up to us users to abide by those limits.
Coolbreeze, let us know what the tire companies tell you as to an "explaination of WHY the limits are set where they are".
I solved the problem in an easier manner: I buy tires that have limits ( load, speed ) that are considerably higher than where I operate them.