Why terminate speaker wire?

I'm apparently missing the point so can some knowledgeable person please explain why speaker wire termination is used?

It seems bare wire directly connected to the speaker / amp inputs / outputs would provide better current transfer than inserting two /  four  connections (one on each end) into the stream..  If the wire is to large to go into the connector or the speaker wire is being changed out all the time I could see it  and if bare wire is too hard to use couldn't just tinning the ends with silver solder be the best connection?