Now that Apple has an existential crisis for growth and has become a services company, almost all Apple effort in software is aimed at maximizing recurring revenue and subscriptions. The UX for fitness, iCloud, IAPs, Apple TV, Arcade, Apple Pay, etc is top notch, because it makes them more money on an ongoing basis.
The Finder, not so much.
Also, a lot of the people who used to care deeply on a philosophical level about the UX of a computer for its own sake have either retired or moved on to other companies. Apple is not the same culture as it was fifteen years ago. A lot of younger people that work there don’t understand the Apple-ness of the Jobs era, and the products speak more to DJI than vegan counterculture hippies.
There is also obviously a lot of product-manager-career-driven-design going on, same as any other hip modern tech company in no danger of going out of business (cf Slack, Dropbox, etc).
Apple was, in many ways, an outgrowth of the obsessive nature of Jobs. He’s gone and it is perfectly natural that Apple would regress toward the mean of any well funded hip tech company.