That would only be the case if this is a regular feature of the run. If you occasionally need to drop off the barge in the intermediate system, you need the extra barge for those occasions. If you never need to drop it off, you're right. But then, the advantage you gain over more conventional ships is less, since such ships would need to spend time unloading and unloading in the intermediate system either. And conventional ships carry more cargo than you do.
Of course, if you don't remplace a unattached barge (or you attach an empty one) it will be less profitable, as will any ship not runing with full cargo hold. I'm afraid this is part of the busines in any case.
It's not really appropriate for passengers because passengers aren't going to sit lingering out at the assembly point waiting for the ship. Passengers need a tighter and more predictable schedule than freight does. Passengers need a "Leaves on Saturday at 10am" rather than "sometime on Sunday" or "we will tell you in within 24 hours of departure the actual departure time". It's basically crummy service.
In this case, passenger barge may leave at a set time, waiting in orbit for the arrival of the jump frame, but the passengers are already loaded and need not transship, so they won't really care about being unattached, attached in orbit or in jump, they will be aboard in any case.