I’ve been doing a bit of (non e-bike) riding in poor weather of late, and it’s really surprising just how wet and dirty everything gets. After a wet road ride, every surface is covered in black, greasy dirt. It rots fabric, makes grinding paste in mechanical parts and generally makes everything worse. You need really good seals to keep that crap out.
I never see them in the US outside of city bike share programs, but I feel like most casual bike users would be better served by internal gear hubs and similar closed systems. The maintenance is minimal, outside of dropping some oil in every year. But for some reason, every bike in a bike shop, including the most casual upright bike, has a finicky derailleur. So instead we’re doomed to a life of misaligned derailleur…
The cost difference alone is extreme enough to explain why you don’t see internal gear hub bikes everywhere. Even if you did have them on the showroom floor, those casual bike riders wouldn’t be buying them much due to the price.
You’re also underestimating the reliability of a modern derailleur system. As long as you’re not buying the absolute cheapest, no-name system, they’re actually quite reliable. The technology has come a long way.