Add a keyboard is an answer. On-screen keyboard will always be more limited, but I can accept that, as long as it’s good enough for situations where i can’t use an external keyboard. In situations where I know I will have to do a lot of text entry, it’s easy enough to add a keyboard, or use dictation. I use the same Bluetooth mechanical keyboard, Nuphy air 75, on both my MacBook Pro and my iPad, so keyboard experience is same for both, and both come with a suboptimal keyboard out of the box, including the MacBook Pro.
"Add a keyboard" isn't an answer to the point raised, which is that the virtual keyboard on iOS is highly-sub-optimal, and Apple isn't working hard enough to improve it.
For an on screen keyboard I find it far from highly-sub-optimal, I think it’s pretty decent.
More importantly, it’s not realistic to think it will ever be as good as a real keyboard for lot of text entry. I expect dictation to do a better job for data entry.
In fact, this comment was created using dictation on an iPad, almost flawless, not much editing needed afterwards, and you can always use a keyboards if you prefer.