I'm referring to you. You clearly don't know what you're talking about (see below), yet you ignore any advice given to you (most of which is very good) and just insist that "people are in denial" and "industry is killing cargo bikes".

1. NO tire is made to be used after the tread wears out, and most people replace their tires well before that happens.
2. Replacing tires every year - this is absolutely irrelevant if you don't post the distance ridden in that year, the surface you ride on, and the tires you're using. Soft, sticky MTB tires sometimes last only a few hundred km of offroad riding (and some don't even make it past 100, there's a guy who destroyed a pair of tires in ONE ride), thick, hard touring tires like the Schwalbe Marathons can last as much as 15k km, maybe even more. I changed a rear 27.5×2" Kenda Kadre/Komodo after about 2500 km (it could have survived a few hundred more, but I got a new pair for a good price). My other bike with Specialized Fast Traks only got a flat when they were so worn out that there was barely and tread left, which was after about 4000 km.
3. The max. load of 20×2.15" Big Apples is 95 kg (209 lbs) at 55 psi, 24" ones can hold 100 kg at 70 psi. See more at Big Apple HS 430 | Schwalbe North America Also, the maximum allowed pressure doesn't say very much about the durability of the tire. I've run the abovementioned Kadres at 18/23 psi front/rear (65 kg rider, 13 kg bike), NEVER got a flat unless I pinched the tube on a sharp edge (only happened once).
4. BMX bikes are made for stunt riding, which involves a lot of jumping/hopping. On the landing, the tires need to support many times the (static) weight of the rider so they can't be made out of cr*p. There are also tires for trials. They might not last very long (in terms of normal wear), though, because they're made for high performance, not longevity. Nobody rides a BMX bike for thousands of miles per year on one pair of tires...
5. I'm quite sure that even a 31 mm wide bicycle rim is too narrow for any moped tire. The rims they use aren't much narrower than the tire itself, maybe 45-50 mm (just look at the tire).
6. A recumbent fork would probably not be durable enough for you, and I don't think it's going to be easy to get a disc-compatible threaded trials fork.