Hi and welcome to the forum!
Everything with vehicles is a trade-off. The engineers at Ineos could have designed the Grenadier for a higher payload, but probably at the cost of wheel articulation (i.e. off-road performance). Take the Jeep Wrangler as an alternate example: excellent wheel articulation and a soft suspension that is absolutely amazing in the rocks - but at the cost of payload (most 4-door Wranglers have a payload of around 875 pounds). So, I think its safe to assume that the Ineos engineers wanted a 4-door wagon with really good payload for its class (its much better than the competition in North America), but they also wanted a vehicle that could handle moderately technical terrain - so this is the compromise they engineered. Any increase in one variable (payload vs suspension travel) results in a decrease in the other.
Another example of a trade off is vehicle weight vs off-road performance and fuel economy: as weight goes up, you get greater strength, durability, and capacity to carry payload, but fuel economy goes down, as does performance on technical rock climbs, driving in soft sand, etc.
Tires are another great example of engineering compromises: every change you make to tread design or rubber compound increases performance in one area at the cost of performance in another area.
Basically, every vehicle is engineered with intentional compromises to meet the intended end-use of that vehicle.