It's because the "lanes" that non-tech juggernauts break out of are typically pretty restricted, much in advance (aside from "Emergency Use Authorization" etc). Maybe it was "paranoia" (thinking of conditional incentives ahead of time), or people had to suffer enough before these to come into existence.
What's the equivalent of the FDA but for consumer privacy?
That has nothing to do with Apple. Just because the American government doesn't understand the importance of technology doesn't mean Apple is in the wrong.
I've enjoyed 15 years of a wonderful and privacy-first device ecosystem. They're evidently making it even better. And you want me to be upset?