I think the confusion is from people missing your statement that the DC negatives of the power supplies are tied together in the circuit and are assuming that the DC sides of the two power supplies may be galvanically isolated. Even if the DC grounds are connected, if the DC positives are NOT connected, then there is some 'isolation' in the sense that a fault on one will not directly affect the other. For example if the load on one power supply is shorted out, that supply can shut down while the other one, and its load, continue to operate. This is a form of fault isolation, which is different from complete electrical isolation. Even if the other devices powered from the failed supply don't work maybe there's value in the rest of the system being able to still operate, like to assert a fault signal or something.
Another possibility reason for using two power supplies of the same voltage is that the product may be available with different IO voltages for connecting to peripheral devices (like your door locks) designed for different voltages. If they use the same 12V/2A supply in every single unit, but then need 12V/3A in some and 24V/1.5A in others it may be more economical to do it this way. Or maybe some versions only need the one 12V/2A supply.
As for the other system that has a 12V and a 5V power supply, well clearly they needed both voltages, and all of the above factors apply as well. If they need anything close to 3A@5V, that's a bit much for a 7805. Sure they could use a switching regulator, but maybe that hardware evolved from a legacy design, or they just didn't want to go to the trouble of designing one. The electronics that are visible in your photo are super low cost construction and low complexity (being single sided phenolic boards they have to be!) so fitting a switching DC-DC converter on there would probably mean stepping up the complexity and cost to a larger degree than if the system were already higher complexity with a 2+ layer PCB etc.
Suggesting that "it would be cheaper if..." on someone else's product is always going out on a limb, because there are a lot of factors that go into manufacturing costs that are only really visible to the manufacturer themselves. Supporting different product variants as mentioned above, or sharing parts between products can have a big effect on product cost as compared to designing one product in isolation. Even if it would have been cheaper to use a single 12V/5A supply, maybe there was a supply chain issue and they chose to pay more for two power supplies than to have to delay selling/shipping product. Or maybe the two power supplies shown here actually WERE cheaper--smaller power supplies are probably made in much larger quantities so maybe better price per watt, or maybe their distributer had a good deal. It's impossible to really know without a lot more insight into who made these when and why and what else they make.