I mean - yes, that is what you're paying for. Bananas, like all products, are engineered.
There was the original domestication, and then there's the modern industrial process of plantation management, picking, shipping, and distribution.
All of which has to be invented, implemented, and organised.
You can - and probably should - question the ethics of same.
But that doesn't change the fact that most places that want bananas do not have have bananas, and making bananas happen in non-banana locations is a very complex process.
Good ideas and organisational ability don't grow on trees.