One problem is that the component industry also had to change in the way they 'tinned' component leads. They now use other alloys that are more compatible with lead free solders. It's not just a simple matter of the military/medical industry continuing to use traditional 60/40 tin/lead type solders as reliability can depend on the mix of metals at the solder joint. If a component is effectively single source and the main market is consumer then they may not provide a component ideally suited for lead solder.