A chat is usually within two people or a certain group through the use of an app. Unlike a public forum as this one, where you don’t even need an account to read. Very different things!
Also in the chat the disappearing configuration is valid for every participant, not only for a few.
Otherwise I would agree with the ephemerality of it’s for everyone, just delete all content after 90 days. Saves space and bandwidth for SN.
Nostr should be doing that too, delete all from everyone after a certain amount of days/months. Let’s get back to real conversations.