There’s a lunch spot at the top of the T but I have to cross the stem of the T to reach the top of the T.
Why are they doubling my chances to get hit when they could just add another crosswalk and let me cross one street instead of two? Are they stupid?

If it doesn’t have traffic lights:
Crossing the stem is safer, as cars need to slow down and often stop to make the turn, and reducing the crossing of the straight road to only one helps concentrate the required attention to that one crosswalk - a driver can’t miss someone crossing the other crosswalk if it doesn’t exist.
If it has traffic lights:
Yes.
The crosswalk is on the right side of the stem on the top of the T. Right turning traffic is less likely to be checking to their right since they don’t need to worry about traffic coming from the right if they’re turning right.
Left-turning traffic DOES have to look left, though, so it doesn’t make sense to put it on the right side of that interesection (in the US where we drive on the right)…