The kids I know who applied to the top, need only schools, with financial need, claim that their ED admissions came with a financial package that was within a rounding error of what their online calculators claimed they would be. (i.e. on the nose, within a $100, etc.)
So if you run the numbers-- and you can live with those numbers- ED is a fine deal for your family. If you run the numbers and CAN’T live with those numbers, or think you might get a better deal by applying to a bunch of merit schools, then don’t apply ED.
Not sure why this is problematic.