I don't think anyone has said that iOS Files is "incompetent", more like "incomplete" compared to Mac Finder or Windows Explorer....which is true. Files just recently gained the ability to format an external drive in iOS/iPadOS. The Files App has come a very long way from it's appearance on iOS/iPadOS 11 in 2017 for sure, and it gets used a lot on my iPad. Maybe very suitable for users like us...but, it still has a ways to go before it can fully compete with its bigger brothers and fill the all the needs of professionals and power users. Just like many of us can use the iPad as a laptop replacement just as it is, there are still many that need to supplement their iPad use with a laptop or desktop.
A little search on the internet found some of the differences:
"
Compared to the Mac Finder, the iOS Files app cannot perform advanced file management tasks like creating complex search filters, saving custom search criteria, directly accessing and managing files on the local hard drive of a Mac, and providing a fully customizable view of file system hierarchy due to the limitations of the iOS interface.
Key differences:
Local File Access:
The Files app on iOS primarily focuses on accessing files stored in cloud services or on the device itself, while Finder allows direct interaction with the entire local hard drive on a Mac.
Advanced Search Options:
Finder offers more sophisticated search filters and the ability to save custom search queries, which are limited in the iOS Files app.
Visual File Organization:
Mac Finder provides a more flexible view with detailed folder structures and customization options for navigating the file system, which is less extensive on iOS."