My last gig was with a medical software company, storing and uploading physician recordings. The
first thing I did in the process of building the file system component was to set up AES based off a passphrase and never let it out of memory (not safe against a rooted phone rummaging through memory, but that user's acknowledging the risks by doing so). It took me, like, a day, with tighter performance requirements than storing text messages will ever have.
But I kind of disagree with your wonderings. The problem here, isn't "base competence"--it's that it's harder to suck people into your funnel when you have frictional stuff like passphrases or verification. I cannot see an eventuality where this isn't the result of malice, where this isn't user-hateful by design. That bothers me profoundly.