Well it is all about encapsulation if the paybill classes handles billing of payment then in product class why would it needs the whole process of billing process i.e payment method how to pay where to pay .. so only letting what are used for other classes and objects nothing more than that public for those where other classes would use too, protected for those limit only for extending classes. As you are madara uchiha the private is like "limboo"
you can see it (you class only single class).