Of course a literal answer to the question is impossible -- one would have to at least be able to interview all of the authors and get a range of answers. So I'll try to say what I suspect the most significant answers are, in most cases.
- Textbook authors grew up in a different context than most other people.
An important different context is the time when they grew up. In the 1960s and before, college students were much more uniform in their educational background. If you went to college it was extremely likely that you already had been through a relatively elite high school or secondary school education. As education became accessible to lower classes, the student body became much more diverse in many good ways. But it did mean that background assumptions that the professor could make about the students, no longer held.
Anyway, long story short: When a textbook author thinks of a student, very often they have a specific idea of "a student who is now like I was when I took this class" and that assumption is often very wrong.
- Math uniquely suffers from the fact that when you understand a mathematical topic, you struggle to imagine not understanding it.
I can't prove this is true, but from personal experience I just know that things which I struggled to understand when I took classes, now appear so transparent that I literally have to make an effort to be sympathetic when young students don't understand it. I like to believe that I am generous and patient -- but when a student fails to understand basic theorems about cyclic groups immediately, I just instinctively think "How can you not understand?" And then I remember that I had the same confusions at one time, and professors looked at me undoubtedly thinking "How can you not understand?" So I try to hide my reactions, but they are just involuntary reactions.
Anyway, the point is: it is very easy to be a little less introspective, and think that anyone should understand all this stuff immediately and with not much explanation.
- Advertising your book as not needing prerequisites might get you more sales.
Mercenary, but a little bit true. The more you can convince a publisher that every person on the planet should buy your book, the better.