Thanks for the reply Steve.
Yes that is what I’m talking about. And I’m aware of the encrypt with password feature.
The problem is that most people still don’t believe encryption is needed. And since the exchange of files is not usually with the same person or company. Is pretty much impossible to get them to install anything. I’ve been able to go around that with some by using ProtonMail. But some times their network security doesn’t allow them to enter the required password on the page that it opens. Imagine that. they'll allow a self decrypting file download but not the completion of a password on a page. but that's how it is.