If you're in the US or Europe, you don't have access to fresh coconuts. The oil you buy comes from far away (do you even know from where?), was processed under God knows what conditions, likely melted and resolidified several times as it changed hands in transit, only to sit in a store for who knows how long and what corners they cut. And this is healthier than eating locally-produced oils that your body is more genetically disposed to eating -- how exactly?

Edit: don't want to rag on you too much, but modern healthy eating trends are saturated with all kinds of insanity.