I would say the vast majority of games should have difficulty settings unless they're really easy to virtually impossible to lose or difficulty settings would hinder the experience (FromSoftware games and some Soulslikes).
RPGs are usually so story, setting, and character heavy that I would find it inexcusable for almost any of them not to have an easy mode. Some people don't want to grind or die constantly.
Sony's cinematic games are well-justified having easy modes as well because some people want to relax and enjoy the story. The Last of Us isn't hard on normal difficulty, but if you couldn't make it any easier that would shut out a lot of players.
I don't play difficult games really at all, they're not for me. Bloodborne and Dark Souls III are as difficult as I go, and I played those in co-op.
Lifetime Sales Predictions
Switch: 161 million (was 73 million, then 96 million, then 113 million, then 125 million, then 144 million, then 151 million, then 156 million)
PS5: 115 million (was 105 million) Xbox Series S/X: 48 million (was 60 million, then 67 million, then 57 million)
PS4: 120 mil (was 100 then 130 million, then 122 million) Xbox One: 51 mil (was 50 then 55 mil)
3DS: 75.5 mil (was 73, then 77 million)
"Let go your earthly tether, enter the void, empty and become wind." - Guru Laghima