Kunen's Set Theory uses the following definitions of Axiom of Pairing and Axiom of Union:
Pairing $$\forall x \forall y \exists z (x \in z \wedge y \in z)$$ Union $$\forall \mathcal{F} \exists A \forall Y \forall x (x \in Y \wedge Y \in \mathcal{F} \rightarrow x \in A)$$
Jech's approach to 'weaker' means less specific union/intersection sets, whereas I am using it here to mean pairwise (e.g. Kunen's Pairing, 'weaker') vs. arbitrary (e.g. Kunen's Union, 'stronger') formula. This question is motivated by an (analogous?) asymmetry between unions and intersections in topology.
I understand the restriction of intersections to pairwise formula in topology (as to avoid deriving singleton open sets from nets). However, I don't understand the limitation in ZFC. Is it simply because a 'strong axiom of pairing' is also derivable from ZFC (or is it not, or only in certain models)? Or rather, are there some metalogical reasons to restrict the intersection axiom to a pairwise formula?
In short, why is the axiom of pairing not: $$\exists A \forall x \forall \mathcal{F} [(\forall y (y \in \mathcal{F} \rightarrow x \in y)) \rightarrow x \in A] $$