Neither me nor my significant other are native English speakers, but we have different native languages. I'm comfortable enough with English, but like having English subtitles since I have a hard time with some dialects and occasionally just miss a word or two due to noisy audio. My SO likes having subtitles in their native language.
Being able to have multiple subtitles makes it possible for both of us to get the experience we like, at the cost of a little screen real estate. Well worth it.
This may also be due to legal issues / restrictions in the contract they had with that content's right holders or subtitles providers.
AFAIK, the video you are being served is always based by the geolocation and what video was licensed for that. E.g. in a French version of a movie, text in the movie may have been localized into french inside the video. Additionaly there might be additional/missing scenes in the localized version to get the desired age ratings in that market.
The audio is then synced to that version of the video. That means that e.g. the French audio produced for the US video is not 1:1 the same audio as the French audio for the German video.
So that takes it beyond a licensing issue, and would mean additional effort to produce compatible audio tracks for content that they may only have streaming rights for temporarily. For content native to the streaming service they usually put that effort in.
Additionally, https://subdl.com/ with https://github.com/alexanderwink/subdl is a great resource for finding and downloading subtitles from the comand line.
If there is no black bar, you could get one of those long narrow LCDs off AliExpress, set up the driver, add it as an X display with the right positioning... and then drag the mpv window across that and the TV. Should work. Those little LCDs are just silly expensive though...