the extension is nothing more then a help for what Application which can open the file
Really? I would have thought .rtf files have extra code for the added formatting. Simply calling a .rtf a .txt won't get rid of the formatting and if anything will make things worse because now an application will try to interpret the codes as words. I know in many other cases changing the extension can really confuse applications. Calling a .AAC file a .mp3 can really mess with a player, perhaps getting it to say the file cannot be opened and is corrupt.
An extension aids in letting the system know which applications can open a file but also lets them know the structure. Some files on my computer can be opened by 15 applications and the extension says, "Hey, I am a .rtf file. Can you open me? Yes? Then if you open me, open me interpreting me as a .rtf file. If you interpret me as a .txt file you're going to get a big surprise."
My experience is with TextEdit on Mavericks. If you do not want it to save as .rtf you do not get that choice when you save the file (I think SimpleEdit in OS9 did let you). You have to change preferences, then open the file you want to edit and save it while TE is in .txt file editing mode. Yes, it is cumbersome but is how TE works.