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salad-
Because it's easy and cheap, safer if something breaks, the frames are all overbuilt, and you can put stacks of weight on the back without fucking your steering, getting confused and riding into a ditch.
Basically, like most good things, front loading requires a bit of thought and care, so it's not standard.
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Why is it you think the vast mayority of bikes uses rear racks then?
£20 rack, and majority of bike have the rack mount on the rear, even bicycle that aren't quite suitable for a heavy load.
TvH
edscoble
Get out of the saddle and give it the wellies; the back end should feel very spirited, rather than feeling like a damp sausage.
The front-load lark is very popular for one reason; it is much cheaper to get a custom fork designed for a front load without compromising the handling, they're design to be VERY twitchy without a load, so once loaded up, it feel nice and stable yet still allow more precise steering input than even a race bike.