The models and devices just aren't quite there yet.
Once Google gets its shit together and starts deploying (cloud--based) AI features to Android devices en masse, Apple is going to have a really big problem on their hands.
Most users say that they want privacy, but if privacy comes in the way of features or UX, they choose the latter. Successful privacy-respecting companies (Apple, Signal) usually understand this, it's why they're successful, but I think Apple definitely chose the wrong tradeoff here.