Why's that? I've used that technique in places from which I've received offers (from small non-profits to large multi-billion corps). I think it's a realistic thing to do. If they want me to code the naive way, they can just say so. If they want a better solution, and I sketch out verbally the naive solution and they're happy, why magnify into it?

The non-agreeable part is the difficulty with finding a better solution, and spending inordinate amounts of time searching for one.