THIS is the issue with the rule: the arbitration.
Your point is valid in a vacuum, but doesn't reflect the reality of the rule at all: with 82 games in a season, the 65-game cutoff represents 79.27% of games to be played -- neither "never playing" nor "a majority of the games", both of which would be much more sensible qualifiers.
As it stands, it's ridiculously constrictive, not to mention having no flexibility for edge cases (if Jokic/SGA suffered an off-season injury and came into the season late, already missing the cut-off, but then hard-carried the team into a top seed, why wouldn't they still be the MVP? etc etc).
In a "sicko" way, I'm ""glad"" Jokic will miss extended time with his injury - there definitely has to be a "chips falling" moment where multiple top candidates are robbed in plain sight so that the NBA is pressured into changing the rule. Make it 41 games and it's golden, tbh