OP_RETURN limits are only default relay rules in Core, not enforced by the protocol. Miners decide what goes in blocks… I pay fees, it’s included. Inscriptions work because SegWit was designed that way.
Witness data bypass is an intended feature of SegWit + incentives, not a bug. Filtering valid transactions at relay = censorship. Uncapping OP_RETURN was pragmatic: data gets in anyway, better to use prunable form.
Bitcoin is not “financial-only”. Anyone can use blockspace they pay for. Core in fact aligned policy with reality.