The nearest you will get to an answer "straight from the horse's mouth", is from David P. Reed at the following link.
http://www.postel.org/pipermail/end2end-interest/2005-February/004616.html
The short version of the answer is, "the pseudo header exists for historical reasons".
Originally, TCP/IP was a single monolithic protocol (called just TCP). When they decided to split it up into TCP and IP (and others), they didn't separate the two all that cleanly: the IP addresses were still thought of as part of TCP, but they were just "inherited" from the IP layer rather than repeated in the TCP header. The reason why the TCP checksum operates over parts of the IP header (including the IP addresses) is because they intended to use cryptography to encrypt and authenticate the TCP payload, and they wanted the IP addresses and other TCP parameters in the pseudo header to be protected by the authentication code. That would make it infeasible for a man in the middle to tamper with the IP source and destination addresses: intermediate routers wouldn't notice the tampering, but the TCP end-point would when it attempted to verify the signature.
For various reasons, none of that grand cryptographic plan came to pass, but the TCP checksum which took its place still operates over the pseudo header as though it were a useful thing to do. Yes, it gives you a teensy bit of extra protection against random errors, but that's not why it exists. Frankly, we'd be better off without it: the coupling between TCP and IP means that you have to redefine TCP when you change IP. Thus, the definition of IPv6 includes a new definition for the TCP and UDP pseudo header (see RFC 2460, s8.1). Why the IPv6 designers chose to perpetuate this coupling rather than take the chance to abolish it is beyond me.
与恶龙缠斗过久,自身亦成为恶龙;凝视深渊过久,深渊将回以凝视…