This is the kind of things Apple should focus on. Automatic file organization is right up Apple's alley, if they were ever to wake up the Finder's dev team from the 20-year hibernation.

I would guess that using an efficient embedding model to organize files is probably forthcoming in the next year or two.

Rather than moving similar files into folders, I can see the OS suggesting related files based on similarity to another file, or permitting search by concept rather than keyword.

I have has a couple of macs that randomly do not show "Recent" files in the recent folder so I take that as one signal among many that Apple is not paying a lot of attention to the experience in desktop environments beyond some minimal maintenance effort