I am 5'1". I prefer cross body bags. If the strap is not adjustable, the bag hangs well below my finger tips banging against my thigh.
I have almost the same problem with shoulder bags. Not everyone is the same height or even average height. I am sure taller women have the reverse problem.
I have no issue with adjustable straps. I actually prefer them. I also appreciate them in the wintertime. I can wear my bag with a heavy winter coat and with a quick adjustment shorten the strap to wear with a thin tee shirt in the summer.