think of it like a pizza, a 12" pizza is enough for one person, but a 18" feeds a whole family with leftovers. thats a crop ratio of 1.5, which is the same as crop ratio of DX to FX. granted this isn't perfect math because we're talking about squares instead of circles, but the same basic idea applies. You have to think of it in terms of full perimeter, instead of height and width. Or like you were painting a wall, and you decided you wanted to add a trim color. Your thinking "Gee, I only need inches around the borders, that shouldn't take much paint... but then you realize that two inces of paint going around the whole room is a lot more than it sounds.
after writing this, it makes me question if I should have gotten my degree in photography or mathematics education. I live a sad life lol