Counterfeiters don't need the paint job to last long. The rest of us do. Surface paint will wear, especially on the rims and edges, and look bad.
Chips made with physical spots don't have that problem; the color goes through the chip.
Ceramics last longer because they're dye-sub... when the dye sublimates (into a gas), the gas permeates the outer layers of the chip material. So the ink isn't just on the surface, it's inside the material (at least the surface layer of the material). Even so, Chipco used to make a lot of their designs with a white rim, because when the chips do wear (esepecially low-denom chips with casino-level usages), that's where the wear would show up.