I'm not entirely certain but I believe the T-pose is the "default" position for characters before their animations start.
So it's just really sloppy game dev work. As if the game suddenly only has lego characters that don't have animations anymore.
At launch the game had you T-pose without pants while riding a motorcycle...
[1] https://www.reddit.com/r/cyberpunkgame/comments/sx031p/start...
It's not exactly an easy problem to solve (simulating crowds in a huge city without any organic view distance portals) but I guess they could have also saved themselves a lot of pain by not targeting legacy systems or maybe make less ambitious claims about their game.
What you animate then is not the "flesh", but the skeleton. You tell the hand to move to a certain position, and then a constrained optimization problem is solved to extend the arm and hand while keeping the joint limits in mind.
The most convenient default shape to set up the skeletal structure of a humanoid is the T-pose, so this is usually the shape humanoids take in games before any animation logic is applied to them. If you see a T-pose in a game, odds are that the animation system crapped out. The animation system may have crashed but the error was swallowed to keep the game chugging along.