The Big Players need to start making plastic inserts ...
Like a Husky liner car mat, or maybe the liners they sell for paint roller trays? I think you're onto something there. But I wouldn't expect it to be something you just toss. If it's done right, it should be easy to clean, and should last for many years.
The problem is that unlike a car mat, gravity is fighting against the insert staying in place, so I would think that the deck really needs to be designed with an insert in mind. That makes it especially difficult for aftermarket add ons.
Here's a thought experiment. Picture a tire cut in half the long way. The interior is similar in shape to the inside of a deck. Imagine if your deck was flexible like that (but had a way to not flex in a way that could get the blade to hit it). Now imagine if you could give it a few whacks with a hammer and everything stuck to it fell off because it could flex...