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How come a Category 1-5 Certificate can't be used a Category 5 hotel?

Question asked by smbump01 on Dec 16, 2019

I'm new to this stuff.  I have a Marriott Visa with Chase. Got my certificate and says I can book a category 1-5 hotel.  Looking at a category 5 room that is 40K points.  Certificate says it's 25K.  So can I use the certificate + 15K points?  Not an option online so I'm assuming NO. If they are going to give a certificate for Cat 1-5...shouldn't that be all Cat1-5 hotels?