> And sticking with that example, once it becomes TCP's job to handle packet loss due to transmission errors (instead of just congestion), things go south pretty quickly.

Outside of wireless links (where FEC of some degree is necessary regardless) this is mostly because TCP’s checksum is so weak. QUIC for example handles this much better, since the packet’s authenticated encryption doubles as a robust error detecting code. And unlike TLS over TCP, the connection is resilient to these failures: a TCP packet that is corrupted but passes the TCP checksum will kill the TLS connection on top of it instead of retransmitting.