I have set up Time Machine backups for literally hundreds, if not thousands of people in a support role over many years and have hardly ever witnessed this happening. It's one thing to say you may have had to do this once or twice in a decade or the like, but every few months is ridiculous and speaks to some other underlying issue with your setup, like a quietly failing drive or bad cable, etc.
I'm not one of these 'it hasn't happened to me, ergo it's impossible people'. I completely think that many of the design elements of Tahoe are a horrendous regression versus even Sequoia, but I think asserting that Time Machine is completely broken in the shipping version of macOS is a bold statement that deserves a bit of pushback, even among the fire raging in a lot of other places in macOS!