Every living thing produces wastes. As in the aquarium, that waste becomes a highly toxic ammonia. Underfiltration will not be able to convert that toxic ammonia to a more harmless Nitrate. There is also bennifits to alot of filtration, like if one system fails there is still adequate filtration to pick up the slack...
or,
Think of it this way...You and six of your bestest friends decided to live in the same bathroom,
you eat and everything there...
well you get it, FLUSH brutha FLUSH!!