as I was cleaning up my place, I found another psu that had a cap across its output screw banana terms.
for me, it was 100% a case of 'I need something there that my alligators can grab onto; and I don't want to burn current, so a resistor is not going to do it'.
that was entirely the reason. I have caps and resistors within easy arms reach and I grabbed a cap that would do no harm, just so I could have stable leads to clip onto.
I'm pretty sure, this is all that there was to it, for the ebay item in the OP's post. just easy for grabbers.