Two main reasons.
1. The water tank is usually well insulated (lagged).
2. The quantity in a hot water tank is much larger than the quantity in a kettle. Because the surface area (for heat loss) is much less per litre in a big tank, temperature falls at a lower rate.
There is one way in which using a kettle / pot may be better value, though. When you 'run' the water for several seconds from a hot water tap, before it gets warm enough to use, the pipes need to get full of hot water (possibly several litres). This may well cool down before you need any more so you will have wasted the energy used to heat it. If you just heat up 2l of water in a kettle and use it all quickly, there is no such loss.