You kinda ignored other points. Are you agreed that Finder analogy was silly after all? And that we can allow apps customization for macOS like on iOS?
I don't like to scroll my Application folder. This is why i like to uninstall/hide useless apps from my systems, to have less noise there and don't see it in spotlight completion. I already created separated subfolder for my apps and pinned it to the dock, but some still needs to be in Applications root to be found by other apps for binaries inside them, like XCode/Chromium/Android Studio. So i still need to check both folders sometimes or symlink everything and unlock new problems with this method. It would be much easier to just hide everything i never use in Applications list, like it was possible before specific macOS release.
I checked definition of bloatware and this is basically "unwanted or unnecessary sofware that comes pre-installed by vendor" that consumes space/battery and have no meaningful benefits to the user. I know there is much ******** bloatware in Win/Android, but even by your definition, there is one single key press that stops you from seeing big ass subscription banner from Apple. This is F8 key on any mac aka Play button. If you don't have any other players active it just opens Apple Music (hardcoded behavior that cannot be changed) and opens Home page with nothing but ad banner on it. Just tested my first Apple Music opening. Same thing for Mac App Store with Apple Arcade banner. There is also other services that are always in background, like photos library process, icloud and other things, just not as bad as on Windows.
I just saying that everyone can have personal choice of hiding and removing useless apps, disabling animations, rebinding keys, like you can do that in older MacOS versions, but not anymore. You think that Apple knows better what should be restricted for user, for some reasons. Just speak for yourself please. I'm not saying that journal should be removed for everyone, just having option to remove it for myself. Not a biggest macOS problem of course, personally the only thing i want is a way to disable spaces swipe animation to be very happy with the system and nothing else.