Even just something like: CREATE TABLE calendar(id, user_id, blob)
Also, in the context of web applications, you probably already have a database and probably don't have persisted disks on your application servers, which then adds complexity to the file based scenario. In which case using blobs is a perfectly fine solution indeed.
Still you are right that in many cases, let's say a desktop application, you are probably better off reading directly from tens of files on disk rather than having to deal with the complexity of a database.
The same applies to vector databases. I read an article a few months ago that spoke about just storing vectors in files and looping through them instead of setting up a vector database and the performance was pretty much the same for the author's use case.