Hi Saren, very nice to meet you!
You are right on everything you wrote.
The architecture you are suggesting goes in the direction of a Redux-like architecture. An example of it is the Composable Architecture by pointfreeco.
(https://github.con/pointfreeco/swift-composable-architecture) and it exactly describes what you wrote.

That architecture is slightly more advanced and more suited when the complexity increases.

It’s up to us, as software engineer, to decide when to use one architecture or the other!

Thanks for your comment!