Adding the "Learn more..." hyperlink gives users the freedom to choose whether or not they want to view more information,
Attitude Toward Risk
: With this solution, a risk averse user isn't forced to read the full page - which could be a waste of time. This doesn't hinder a risk-tolerant user since they wouldn't have experienced this pain point.
Encapsulating large chunks of information this way also benefits users with: comprehensive information processing style, task-oriented motivations