> Additionally, programmers don't want to pass huge lists of parameters to every function, but instead bundle things into structs to be easily passed around, however this model makes it impossible to treat a value as Optional at an early part of the callstack and Non-optional later in the callstack after it's been checked and verified.

No, it doesn't; there's a couple easy, obvious ways to do that depending on how you get the data components and how far it is useful to pass them as a group without ensuring none are null. It's not even mildly challenging, much less impossible.