If you investigate most commercial uses of ssh, the security is disabled or ignored. Nobody verifies host keys, and with automation where hosts cycle, you basically have to disable verification as there's no easy way around the host keys constantly changing. Without host key verification, there's kinda no point to the rest.
Even assuming the host keys were verified, the popular ssh conventions are to use either long-lived static keys (and almost nobody puts a password on theirs), or a password. Very few people use SSH with 2FA, and almost no-one uses ephemeral keys (OIDC) or certificates (which many people screw up).
So in terms of how people actually use it, SSH is one of the least secure transport methods. You'd be much more secure by using telnet over an HTTPS websocket with OAuth for login.