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Depends on the location.
There exists "one party consent" recording laws that mean that as long as anyone involved in the conversation consents to being recorded, the entire conversation can be recorded. But it also requires that you are only talking to someone else in the same one party consent area.
For example, if you lived in Virginia, you could record a conversation with someone else that lives in Virginia without informing them. But if you called someone in Illinois you'd have to tell them, even if the call and recording started in Virginia.
Most recording apps probably prefer to not have to keep track of all the legalities and just prefer to notify everyone, so they don't get sued.
Agree with what you are saying. From outside of the US different laws govern how this is done. Some countries are one party and some are two party
In the US it's really convoluted.
In some cases the state you are calling TO has the say. In some cases the law the state you are calling FROM has the say as to question if you can record.
It depends on how state laws are wrote. It also depends on certain court decisions. It also depends on certain federal laws and certain federal court decisions.
This helps to explain it a little better