The marketing plan template saves you the development cost of trying to develop a marketing strategy by trial and error. The template gives you the steps that someone has successfully used to create income online.
Some countries require a definite plan before the business gets approved but most do not feel the need for this. However, it is still your responsibility to protect your employees as much as you can and especially during work hours. A lot of business people find it difficult to come up with their own plan so they look for plan templates online.