Account recovery isn't a basket of features like multi-sig wallets and threshold schemes. It's the assumption, so far baked in that most users don't even realize they're making it, that if something goes wrong with an account there is a human-mediated process for restoring access. A centralized authority is intrinsic to the concept! It has to be there from the beginning! You can't ask users to opt into it, because they're users and they don't know how any of this stuff works.
It's for this reason that Apple and Google control so much of Internet identity, and are going to continue doing so. Advocates of decentralized identity are poisoned by the experiences and preferences of a tiny but vocal sliver of users that (1) are deeply into this stuff and (2) do enough weird shit to occasionally get on Google or Apple's bad side and have bad/annoying experiences with account recovery. The problem is that these voices are not representative of the market, like, at all. Google does a better job of global Internet identity than any organization operating at any kind of scale. If you can't recognize why this might be true, and will be an enormous obstacle to adoption, you're not engaging seriously with identity.
The power that decentralized identity offers, normal people don't want. The things it takes away: necessities. It's a toy, not a killer app.