It's just the name we assign to introspection and the consideration of moral, ethical, and paradoxical matters. We "need" it because without it morality would be a lot harder to figure out. For example, is inaction another form of action in a do-or-die scenario like the classic "a train is speeding towards ten people" scenario? Philosophy is a name we give to the consideration and contemplation of this.
For the record, I consider inaction to be equivalent to simply another type of action assuming you have the capacity to act without any fear of consequences for yourself.
For the record, I consider inaction to be equivalent to simply another type of action assuming you have the capacity to act without any fear of consequences for yourself.