MBPs haven't had a "hard drive" to solder on in a few years: the "T2" security chip is also the SSD controller, managing the "freestanding" flash chips (which are soldered onto the board). The SSD isn't a separate thing at all.
That, however, does not prevent the flash chips from being removable. Sure you would not be able to access the data, but could replace/upgrade the flash without throwing away the computer when they fail. In fact that exists in a real T2 product: Mac Pro. You won't be able to replace it with off the shelf NVMe though.
I think it might be unlikely that we see replaceable flash chips come back as it sounds like the built in ones are insanely fast and likely cheaper as well.
I replaced one of the (honestly I don't know what to call them... gumstick sized ssd?) in a MacBook that had it as a separate component and it was a bad idea. It required an adapter board, some large proportion of available products on the market weren't compatible, and even with one that was there was still occasional strange behavior. Soldering in was the least of the problems.
I also replaced the SSD in my 15" MacBook Pro 2014, and currently use a 4 TB M.2 drive.
When a replacement battery fried my logic board, I didn't lose my data. It didn't take multiple hours to re-clone from backup; I just used a screwdriver to move the SSD over to my spare laptop (13" Pro 2015).
A computer for me is primarily a data storage and retrieval device. Data loss is an existential risk to it. Data security doesn't bother me as much as it does other people; once the hardware is accessible, all bets are off anyway. I do get some strange behaviour with the new SSD (periodic weekly crash/reboot) but still accept that in order to have the larger capacity (4 TB is much more than the 512 GB when the laptop was new).
If you go to the other extreme of the spectrum, to the eMMC-based laptops, they are also soldered to the motherboard.
Which is really a shame (I have one Acer Aspire laptop and I mount /var/log as tmpfs without swap so it doesn't devour the eMMC like the RPis do with SD cards)