I don't know about where you live, but where I am in Canada the majority of FM radio is as bad or worse than cable television; constant ads, stale "radio friendly" music and DJ's with inane banter and making bad jokes. It's painful to listen to.
I am French and our FM radios are good in average. Some are excellent, some are poor. The distribution is skewed towards good.
I have the same impression when listening to German ones, though I listen only occasionally and just a few stations.
Then going further east, you have the Polish ones which sound unbereable to me, everyone is unnaturally shouting, or behaving in a very unnatural way (I belive this is copied from the US, despite French radios such as FUN betting precursors of modern FM there in the 90's). There are exceptions though, such as Tok FM.
Small, regional stations in Poland are much better in this regard than the big ones with national coverage.
Still, barely anybody invests in licensing the latest songs so there's a more or less stable list which is repeated over and over.
On the other hand, you get a new one every 20 miles down the freeway.
It really depends more on what you're into than where you live since so many radio stations stream.
There are plenty of great radio stations out there still, but on the internet people think it's cool to pretend the stations don't exist and burrow themselves deeper into a more and more Balkanized niche echo chamber, never exploring anything outside of their comfort zone.
FMs I've listened to this week: WXRT/Chicago, KCSN/Northridge, KING-FM-HD2/Seattle, KTNN-FM/Tohatchi, K279BO/Palm Springs.
If you want to hear the same old thing over and over, by all means wallow in Spotify or whatever you loaded onto your iPod a decade ago. I do that sometimes, too. It's comforting.
However, there's a world of good and interesting music out there. You just have to make an effort beyond tapping the play button and letting a computer decide what you hear.
Just because they also stream doesn't mean it's not useful to know about.
The internet was a boon exactly because I was sick and tired of all the FM stations that I had available, with their narrow and small playlists, and it allowed me to discover whole new genres and authors (including by listening to online radio). In the mean time, FM just become even worse. The first half is essentially all I have available, do you care to choose a great one? https://radioonline.com.pt/
You shouldn't assume everyone has the same access to good things you did and must be lazy and narrow-minded.