I see what you're asking for, but I don't think Apple would ever do it. A passphrase that is only used once every few years is a recipe for endless support calls.
Then hide it behind an option deep in the settings, and label it "only for advanced users, and if you lose it, all your data will forever be gone".
Apple even had this exact setting in the past! And they still have a similar thing for Mac disk encryption (the default is iCloud escrow, but a local-only recovery passphrase is also an option).
