Earlier quoted context omitted.
> is it that hard for a giant of Apple’s size to put a fully fledged terminal in iPadOS? Of course it isn’t. And that tells you that it’s a deliberate decision not to, because it’s miles from the platform’s intended use by the intended users. Besides, it would be very confusing for users to have a terminal that can only connect to remote systems (which most people likely don’t have access to), because it’s rather imp…
OS X, now macOS, includes lots of applications that are "miles from the platform’s intended use by the intended users". A huge userbase will always have tons of different clusters, and it's good to serve them all. Furthermore, the terminal could be simply running in a little Unix sandbox, like Termux, and that could be a great entry point for kids to lots of different interpreters to learn programming. Not exclusive…
Even as a learning experience, why give (power)users the ability to acquaint themselves with a generic platform that is not tied to Apple’s own offerings? It makes no commercial or even pedagogical sense.
Try out iSH: https://ish.app It sounds like it’s what you want. Apple won’t be providing anything even remotely comparable for the foreseeable future, I’m sure.