This is from my understanding with music for game development. However, most are practically the same with anime as they are both mediums that use music to help engage the audience.
Each track costs so much and the price varies due to the length of a track and the number of revisions of that track. It would cost a while lot to create new tracks every time
Like with video games, music can help identify situations. As such, if one first sees some romantic scene where two characters go to kiss but don't, when one hears that same score again when the two characters are just talking, one can start to think "oh my god, they might confess to each other this time." Likewise in a fight, some anime have different tracks for fighting music based on how intense the battle will be so, when you start to hear that same music you can expect how epic a battle might be (just like with boss music in video games).
Music can set the mood to make you feel for the characters and what they are feeling, e.g.
in Fate Stay/Night anime when Rin, regardless on how much she got hurt, embraced Sakura and regretted how she wasn't much of a big sister by not doing anything to stop Sakura from being adopted out by the Matous (more of an impact for those who know what Sakura went though and that Rin was also blaming herself for Sakura's abuse)
By changing these more often you tend to lose the immersion and impact in some key scenes.