I'd hazard that the usage rate of RNDIS on iPhones is rather low, though.
And you may be right for certain contexts, but ubiquity counts for a lot.
"Gosh this bus is making a lot of stops, let me just whip out this USB-C/Lightning to Ethernet adapter and plug into my battery powered switch to access this content on my Raspi file sever" is something I've only said a few times, followed by "why didn't I make this thing ad hoc?" or "why'd I make this service internal only again?".
I do however have Wifi6 APs at home and get better than USB HiSpeed data rates from my 10GbE network. The whole network cost around $500, which is probably near what people spend on replacing crappier all-in-one consumer gear over a similar lifecycle. It seems unrealistic that anyone would be required to spend remotely close to that much to make a reliable video call, though.