Having multiple transformers is perfectly doable and commercially viable -- though I would appreciate more product availability for something easy to stash in the hollow space of a ceiling, like recessed lighting is installed.
Everyone here is complaining about ultra-cheap LEDs that don't last very long because they're poorly engineered, but that's exactly what you're all trying to do here by using a separate, shared power supply. You could get away with that in the 1980s using incandescent bulbs, but you can't do it now unless you want the same crappy lifespan and reliability you're all complaining about.
The solution is very simple: buy fixtures that are engineered well. Switch-mode power supply electronics are not expensive at all, but when mfgs cheap out or do a crappy job designing them, you get bad results, usually short lifetime of either the power supply or the LED. What you're trying to do here is buy a really expensive power supply, which has to be engineered to a far greater degree and for a far wider range of operating conditions (since they don't know what you're going to connect to it), just because you had a bad experience buying some $2 light bulb that had a crappy power supply built-in. This really makes no sense.