My take on this "crappola":
CPS2Multi use decrypted ROMs for the simple reason it's how that it was made possible to load games when it was made available. Now, it is still simpler to swap the data at will if the ROMs are decrypted.
Anyway, decrypted CPS2 games may have bugs (I always put maximum effort on fixing the games when people report bugs) and roll-up packs which got mentioned before are meant to fix that. The nature of the encryption on NEO GEO carts is completely different. As the data has to be presented fully decrypted at the cart edge connector (NEO GEO was not originally designed with encryption in mind) so the encryption protection only protects the cart MASK ROMS against being read on a EPROM programmer. It doesn't protect against reads through the cart edge.
Decrypting such a protection is easy, because it's only possible to encrypt all or encrypt nothing. On CPS2, the encryption hardware can watch where the CPU is reading instructions or data and based on that decide if it has to decrypt or not.
Since the NEO GEO encryption can't enforce different treatment per type of data, we can simply apply the decryption code through the whole data. Unlike CPS2 a decrypt, decrypted NEO GEO games will play the exact same as a encrypted game would.
Again, due to hardware protections, CPS2 decrypts require analysis of encryption ranges, manual work of patching video register writes and memory test range patching.
By the way, Universe BIOS P ROM CRCs original purpose was helping users detect bootleg or faulty cartridges. Complain about games failing CRC checks in a flash cart is a little silly.
But of course if the flash cart implements all the hardware the game requires, it won't need any patching to run and will pass any CRC checks.