Well, that's where you run into what's replaceable by the average user versus what's replaceable by somebody who knows what the hell they're doing. Lets face it, very few consumer products, especially those that have dangers like high voltage, are designed for user access. In this case, the thing is that making and stocking extra cable for those incredibly few people that both need it and are capable of replacing it themselves just isn't worth the logistic hassle. My last ten years in acquisition have given me a pretty good education in the sorts of choices you make in product support. Making a thing a part number in your supply system, buying spares, those things require resources maybe better spent elsewhere.
In service, the amount of people who will need to replace one of these cables is pretty small. No moving parts, simple wires. Car cant move when plugged in so ripping them out is not likely. Almost always mounted to single family homes where the odds of theft or vandalism is low. And in both of those cases, your insurance would just buy you a new charger, its only a few hundred bucks. So spending money designing it to plug into the charger end as we as the car introduces another failure point and makes it easier to steal and stocking them, just doesnt make much sense on the logistics side.
Could you fab up and install that capability into one? Sure.