> I think this is probably true on Android too.
Eh - it's not really the same. Android certainly still mostly pushes you at cloud based services (ex: Youtube Music/Amazon Music/Spotify/ETC)
But there's not really a "Standard" music player for the ecosystem, so the expectation is that you pick a 3rd party app you like and use that. And for the vast majority of those - the simple "you have a filesystem - play files from it" approach works just fine (ex: I use VLC for local content, and JellyFin for self-hosted music).
Personally - having my library hosted on my own JellyFin server is basically miles better than anything else I've found (And using either the native app or a specific music client for jellyfin).
The downside is the cost of entry is much higher, and it takes more time and effort to get setup the first time.
Also - your results will vary a lot more depending on which app you pick, and what features that company supports.
So... the experience defaults to something that's more complicated and less featurefull but can be significantly better than that available via iMusic/iCloud at the end of the day.