As
@TheLostSwede said above, you don't seem to have paid much attention. USB-PD has been able to deliver 100W (20V5A) since USB-C charging came to market. It's far less common than 65W and below, but it's certainly not rare.
You can find dozens of 100W chargers on Amazon, for example. 45W and 65W PD chargers are near ubiquitous, including generic no-name ones (
here's the PD charger selection from a small Swedish chain, ranging from 20W to 100W, mostly generic no-brand units).
As for what you say about "most laptops", that's just plain wrong. The vast majority of laptops use 15W U-series CPUs/APUs, and typically come bundled with 45W chargers (some have 65W ones) - which are perfectly capable of charging the battery while the laptop is in use. It might not charge quickly if you're running a video render, but ... that's expected. A U-series laptop will typically peak above 45W power draw, but that's for short bursts, and thermal and power limits will keep total system power at ~30W or thereabouts including the APU/CPU, SSD, display, and everything else. (Notebookcheck.net covers system power draw in various conditions in their reviews, have a look there if you're curious.) 90W chargers used to be the norm, but that was back when M-series 25+W chips were dominant, which IIRC ended with Sandy Bridge.
And remember, all laptop chargers are rated for continuous output - if it's rated for 45W and sold in a decently regulated market, it can deliver 45W 24/7 in normal ambient temperatures. These charger ratings and laptop power draws have been the norm since long before the advent of USB-C charging. USB-PD 3.1/USB-C 2.1 is capable of delivering up to 240W (which is entirely safe by increasing voltage instead of amperage, though this will require cables rated for the voltage), but is just announced and has yet to come to market, but some companies (like Dell) have been using above-spec/semi-proprietary USB-C chargers before the implementation of USB-PD 3.1. AFAIK the 130W XPS 15 charger is the most prominent example. An XPS 15 will charge just fine with a standard 100W PD charger, though it will of course drain slowly if placed under a full CPU+GPU load - but that's a 45W H-series CPU + ~50W dGPU system. Under desktop usage it's mostly fine even with a 65 or 45W charger, though of course charging will be slower the lower you go, and the threshold for battery drain under load will be lower the lower you go. Still, while USB-C hasn't been suitable for gaming laptops or anything above entry-level dGPU laptops until now, but that's changing too.
USB-PD chargers are also easily converted to power barrel jack chargers, with something like the
Innergie Magicable, as long as your laptop runs at ~20V (anything rated from ~18-22V is likely fine with 20V input) and 5A or less.