Nobody is saying it
has to be this way. As I said, in an ideal world, accessibility happens when development happens and is not an afterthought. But we don't live in an ideal world, and it's clear here that it wasn't thought out when they did the switch, or other forces caused the switch to happen without this piece in place.
So, with that in mind, knowing where we currently are, not where we'd like to be in an ideal world, what, exactly, do you want to be done right now by members of the community?
It's not like we can all go in and change the Cloudflare code to stop using hCaptcha. The most we can all do is give alternatives and workarounds while pushing on Cloudflare and hCaptcha to support this scenario. Which is all being done in this thread already.