A voltage divider with one resistor is like a seesaw with the pivot at one end rather than the middle.
assuming a load impedance far greater than the resistor value, the resistor does not reduce the level at all.
A voltage divider is designed to give a relatively constant portion of its input signal to a high, possibly unknown, and possibly variable load impedance. For that you require two resistors with values chosen to provide the division ratio desired and to drive the required load while keeping the ratio within tolerance.
Yrs the load is in parallel with one leg of the divider. In some cases, if this is a constant or near constant value it can form a voltage divider with the addition of a single series resistor. You cant do this if the resistance is highly variable or unknown.
if the resistance of the load varies very widely you may use an amplifier with feedback to maintain a constant output in the face of changing (or even low impedance) loads. A voltage regulator is a special case of amplifier.