I worked a decade in public sector digitalisation in Denmark, where for some reason they still use a lot of SOAP and thus XML. I’m not so against XML in theory, but I hate it in practice. You’d have these completely over engineered solutions where you’d basically need to call a separate micro services for every “field” of anything. So if you wanted a name, a ssn, and, an address for a citizen you’d need to make sever…
I think "XML" is way too broad to meaningful discuss anything. XML the data format is pretty great in its basic form. Not space-efficient, but unless you're dealing with bulk data, the inefficiencies don't matter unless you're googlescale or can't spare a millisecond. The format itself doesn't absolve you from the design work of your model; your ssn example is typical of the "CEO said we have to use XML now" rush-job…
That assumes that the XSD is accurate. I'm currently working with a vendor that has probably the worst XML-based API I've ever seen and the XSDs they provide often don't provide 100% coverage and have bad complex type declarations, etc.