To maintain the security of the T2, which is tied to the encryption of the SSD, the SSD is bound to the T2 in a non-reversible way.
So when you change the SSD, you have to rebind it with the T2. This is not a "field supported" operation of the T2 standalone, so requires the use of a secure path via Apple Configurator, with, I assume, a tunnel back to Apple's RA equivalent.
Should they make this a function of the T2 that is available in the field standalone? Absolutely.
Why haven't they? I can think of any number of reasons, some nefarious (the "remove right to repair") side of things, but, more likely, you don't muck around with a security chip too often or without a real need.