Well, I don't have the technical background to know if it is a restriction somewhere in modern hardware, or completely get what you try to explain to me, but I do have an example in my mind. The same AM4 CPU, for example my R5 5500, can be used with a motherboard that is based on the X470 chipset and a motherboard that is based on the X570 chipset. X470 motherboards where cheaper and had two PCIe x16 3.0 slots connected to the CPU. If you where inserting a graphics card in the first X16 slot, it was working as a full x16 slot. Inserting a second graphics card, or an SSD with an adapter in the second slot was meant that the first slot was working now at x8 speed and the second slot was also getting 8x lanes (only 4 needed in the case of the SSD, 8 lanes when a second GPU was inserted). Now, in most X570 that where sold for less than $250-$300, but still much higher price than the X470 motherboards, there was just one X16 slot connected to the CPU. Everything else was connected on the chipset. There where cases with motherboards having 3-4 X16 slots and only the first was connected on the CPU, the others where in fact X1 slots connected to the chipset.
Now, either some change happened with PCIe 4.0 over PCIe 3.0, some kind of limitation maybe, so every CPU from Intel or AMD that supports PCIe 4.0 or 5.0 are limited in some way, or I am probably right when I am talking about greedy motherboard manufacturers who decided to improve their profit margins by designing simpler motherboards and still selling them at much higher prices.