It's not. As these are imaginary renderings not confined by physical optics, developers can render however they want to. They can choose to render everything in perfect clarity, or go for a more optically-realistic effect through blur. The latter choice adds to realism and can make it clearer what's happening, but does prevent the player being able to see clearly the far-off distant scenery if they choose to.
I'm with Nesh here. Everything you describe as 'optically-realistic' should not need to be added, the eye should introduce it when viewing the image*. As I posted previously, with photography you have artistic concerns (the jet illustrates this perfectly - without blur you can't induce the sense of motion due to the shutter speed, if it was a movie this isn't needed). Depth-of-field isn't about mimicking anything the eye does, it is about framing a subject.
* or rather, the sequence of frames which it blurs.