PGP has been around since 1991, if it was as easy as writing a catchy how to, then some people might use it. Now 30 years in, basically nobody uses it. Got to wonder why ...
> don't offer this option for some (likely legal) reason
Not at all, they dont do it because it is a terrible customer experience. It is confusing, it is hard, if you lose a key, your data is garbage. If you make a copy of your key, you are not secure. Some people are happy to go that path, most are not.
If only it was so simple. Imagine a world where Gmail launched, but if you forgot your password, boom, all your email is gone as is access to your email address. The next company that came along and offered 'password resets' would have wiped them out.
