There is an official PoE board that fits the pi 3+ which uses a 4 pin header by the ethernet jack to grab power. The pi 4 appears to have the same header.
I have one of these but am new to RPi. It covers all of the GPIO pins in addition to the four header pins for power. Is there any way to still use the GPIO pins with the PoE hat?
I'd guess primarily the lower volume of the PoE HAT would play a role here. But, it's also a fully isolated power supply with a fan. To me, it looks like this couldn't be made on a fully automated line, so there would need to be manual assembly, which is also more expensive.
I agree that it would be nice if PoE was built in, but there are better ways to say that than what you said.
Also, the HAT has a transformer (and I assume if they included it, they know what they are doing), which seems like it would be too much for every single Pi to include one.
https://www.raspberrypi.org/products/poe-hat/