Planes, trains and automobiles
There are different types of spaceships, the same way there are different types of transport in the real world. You can walk, cycle, drive, get a train or bus, or go to the airport.
There is no vehicle that picks you up from your front door, then flies through the air to another country, and drops you off outside your holiday villa. Such a thing is possible in principle. If you were super wealthy you could build a landing strip at both of your properties. But even this is a hassle since you have to listen to planes landing when you are trying to entertain guests.
For the rest of us, it is rare to get an airplane to the shops or to work. The few people who do commute by plane still use other transportation to get from the airport to their workplace. The plane won't drop them off at the door.
Likewise, there are different types of spaceships for different jobs. The spaceships that move from one orbital habitat to another cannot take off or land from the surface. The kind that go from the surface to orbit cannot move long distances between planets.
We could in principle build a ship that does both. But it would be a waste to lug all that surface-to-orbit gear around between planets. Plus that gear was expensive, and it being idle when the ship is in space is lost opportunity cost. That's like having an airplane full of bicycles. They are not doing anything when the plane is in the air.
