You have to realize that most of the users are not interested in such a configuration. Statistically speaking, those few (tens? hundreds?) who are, compared to the tens of milions who aren't... don't really justify the effort. If it were really a tiny change, then maybe... but it's often not that easy as you imagine.
You could achieve what you want with avast! (Professional; in avast! Home there's no ashUpd.exe file, as far as I remember, so I don't know how to handle the scheduled updates) - but it won't be exactly simple. (You'd have to disable the self-defence first, then remove the services... and some features, such as moving the files to Chest, would not be available, as they require the server to be running). Because of that, you may get some warning when starting the scanner.
And, because of UAC, things are more likely to be shifted the opposite direction in the future (that the scanning itself will be provided by a service and the scanners will be just "clients" - so you won't be able to scan anything without the services running).