You're both right and wrong...
You're right, given that a Pi is a inexpensive piece of lego, to be used as you see fit. I don't even bother with a hat myself, preferring to send USB directly to the DAC. I install piCorePlayer so that it emulates a Squeezebox consuming data from my LMS server.
My friend was impressed, so I built a similar unit for him. I enabled the LMS server option, so the Pi was both server and streamer.
Which brings me to how you're wrong: My friend wasn't keen on the geeky nature of it, having to grok all of its idiosyncrasies. And it didn't have a screen, which would make it even more quirky. He just wanted something to work easily and work well.
He bought an Eversolo DMP-A6, which does everything that the Pi does, has better streaming support, integrates with his Google home stuff, has a screen, etc. Consumers are willing to pay for that plug-and-playability.