To be fair, I’m 99% sure I remember seeing/reading at some point (maybe prerelease during Alpha/Beta (even though lets be honest it’s still a beta but that’s another topic…)) Asobo have floated that they’re considering doing this - a 3D repaint function as part of the ‘Hangar’ we have now. Might well have been dropped and I’m sure it would have been low priority anyway. Would explain the reluctance to release official PSD paintkits for each aircraft, and goes better in hand with the fact they use changes to the model (‘decals’) rather than ‘just’ paint jobs. That’s the big issue at the moment is the mirroring issues when applying ‘traditional’ flight sim PSD paint techniques on things like the 748/787 where the base livery is mirrored but text was a fixed-place decal which you need access to the actual model to change.
Definitely a barrier to the original community creativity we’re used to so it needs to change in some capacity!