Okay so no need for a SLR? No need for a mirror less camera? Why bother with those expensive cameras because I sure can’t afford one with my small income. Powershot cost me $500 and is a great camera!
It depends what you're trying to do. "Better" cameras and lenses are less constraining. You can zoom closer, or shoot in darker ambient light with less quality loss, or have shakier hands and still get a sharp image... basically, you can afford to be sloppier with your technique and a bit less picky about your shooting conditions. Certain types of photography, such as macro and birding, are almost impossible without the specialized gear. But if you have the vision and the skill to get around your camera's technical shortcomings, you can outperform someone with a higher-end camera who lacks vision and skill.
That's what it comes down to. I'm so-so at photography but I enjoy it and want to get some decent photos. I don't want to focus so much on timing and preparing the lighting - used to enjoy things like that, but don't have time for it anymore. So I have a higher-end camera and a wide-aperture lens so that I can still shoot in crummy lighting and the photo is still decent. If I try with my iPhone or point-and-shoot the skin tones are blotchy.
Or, to borrow a car analogy, someone with a rear-wheel drive car and all-season tires can do just fine in getting to where they want to go, but the results will be iffy in a bad snowstorm. For people who don't want to wait out the storm or avoid roads with poorer conditions, there are vehicles with all-wheel drive and winter tires. Costs more and still doesn't totally guarantee you'll get to where you're trying to go (especially if you're a crummy driver), but you're more likely to meet with success. But if the roads are clear anyway, there may not be quite as much benefit, right?
A few weeks ago while I was parked, there was a squirrel right across the street from me on the sidewalk. The little guy stop up on his legs and was standing therefor a few minutes. I zoomed in quite a bit on my XS Max and got a picture. Later at home, I saw the picture was really bad from zooming in. It did not have any of the detail that I hoped it would have like being able to see the individual hairs on the squirrel.
My iPhone 11 Pro was, I think, the first three-lens model. If you tap on the circled "1x" you can switch between 2x and 0.5x (the XS Max probably has 1x and 2x only). You can also adjust the slider to get different values between those three. However, only the set markers (0.5x, 1x, and 2x) represent changing the lenses; everything else is a digital zoom, possibly with a lens change. Since you have a dedicated camera you likely know this, but for anyone else who stumbles upon this, digital zooming always results in quality loss. More to the point, it's something you can do, yourself, after the photo has been taken. You can't undo the digital zoom, however. As a result, I'd advise against ever digitally zooming in on something. Do the best you can with changing optics, and then see if digitally zooming is viable later. If it is, great; if it isn't, your original photo might still have something for you.