ext4 aims to not lose data under the assumption that the single underlying drive is reliable. btrfs/bcachefs/ZFS assume that one/many of the perhaps dozens of underlying drives could fail entirely or start returning garbage at any time, and try to ensure that the bad drive can be kicked out and replaced without losing any data or interrupting the system. They’re both aiming for stability, but stability requirements are much different at scale than a “dumb” filesystem can offer, because once you have enough drives one of them WILL fail and ext4 cannot save you in that situation.

Complaining that datacenter-grade filesystems are unreliable when using them in your home computer is like removing all but one of the engines from a 747 and then complaining that it’s prone to crashing. Of course it is, because it was designed under the assumption that there would be redundancy.