minoxidil is a growth stimulant that doesn't treat the root cause. So unless you also take finasteride with it, it's essentially just putting a piece of tape over a leaky pipe, which will eventually burst
Yet there have been people who have maintained on Minoxidil alone or on Minoxidil + Microneedling without ever touching Finasteride.
As I mentioned above, new treatments are on the way so it's not like people need to worry about this hypothetical of needing a treatment to be effective for their entire lifetime or even the next 5 years.
People can be on Finasteride and it's not guaranteed to have any positive effect either on stopping hairloss.
It's a good approach to start off with the relatively safer treatment than throwing the whole kitchen sink at it like using Finasteride which blocks 70% of DHT, the second most important male hormone. If there's really no maintenance or sucess on Min + Microneedling then people can decide to use Finasteride after IMO.