> The file system hasn’t improved since then

The file system is a great example of how Windows has evolved, actually. Windows 95 was (initially) still using FAT16! NT4 was using NTFS 1.2, we're now on NTFS 3.1. To the file system itself MS added (per Wikipedia): disk quotas, file-level encryption, sparse files, "reparse points" (dunno), journaling, "distributed link tracking" (also dunno), "the $Extend folder and its files" (ditto), and better MFT recovery. Also, apparently not part of the file system itself: symbolic links, transactions, partition shrinking, and self-healing. And that's just what I gleaned from the History section on Wikipedia's NTFS article; I'm sure there's more.

Apple specifically was much slower catching its file system up with Microsoft, despite their disinterest in backwards compatibility. And if Apple jumped ahead a little with APFS, well, NTFS holds its own just fine against APFS for 99% of users. And for when it doesn't, there's also ReFS, an entirely new next gen file system used on Windows Server, and is now slowly making its way onto the desktop.

Okay, I’ll grant that links and mountpoints were good but NTFS is still missing integrity checks, fast queries, etc. For most users nothing had changed since the Clinton administration.