From an application perspective you are right. Where the fun and games start is in unstructured file access. Whatever people might think of Windows NTFS permissions are actually very good and if correctly designed at the top of fileshares prevent the awful mess of permissions being modified down the tree.
If one goes back in time actually Novell NSS when integrated with eDirectory was better. The Linux filsystems don't really compare when it comes to permissions at scale. You can bodge with Samba integration but guess what, where does that lead you?
Now take OneDrive that from where I sit I see many of my customers using to replace the traditional home folder? That is simply a 1TB block hole conveniently accessible from Explorer, the web or an application. People also have this misconception that using OneDrive (or any cloud file service) somehow magically backs up your data.
Then we have the abomination of SharePoint/Teams - a bottomless pit of despair with all sorts of stuff put in, obscure ways to find it and a search tool that is useless (well every implementation I have come across is).
Moving forward so much data is being pushed from file servers into SharePoint and Teams then people are surprised when there are issues. Then we have the "Azure FileShare", something whose use case still defeats me as having any benefits. The Achilles heal of so many cloud/online products? The have no concept of gold snapshots so that you can backup open/locked files and get a consistent recovery point.