lots of people just make tops- of course it's ok- if that's what you like to do then by all means (carry on with your bad self)
i know people who have been (making quilt tops) for 30+ years- have closets stacked with tops---what treasures they will be when their kids inherit them--- sometime you may come across someone you love-who really really wants one of your (quilt tops) and will (if you choose to give it) take that top & either quilt it themselves- or pay to have someone else quilt it for them- don't feel that your tops are a waste by any means===they are just as important / valuable as a finished quilt.