Maybe you just don’t know what you’re missing? Google’s default speech to text is still bad compared to Whisper and Parakeet, but even Google’s is markedly better than Apple’s.
I cannot think of a single speech to text system that I’ve run into in the past 5 years that is less accurate than the one Apple ships.
Sure, Apple’s speech to text is incredible compared to what was on the flip phone I had 20 years ago. Terrible is relative. Much better options exist today, and they’re under very permissive licenses. Apple’s refusal to offer a better, more accessible experience to their users is frustrating when they wouldn’t even have to pay a licensing fee to ship something better. Whisper was released under a permissive license nearly 4 years ago.
Apple also restricts third party keyboards to an absurdly tiny amount of memory, so it isn’t even possible to ship a third party keyboard that provides more accurate on-device speech to text without janky workarounds (requiring the user to open the keyboard's own app first each time).