I guess where we diverge is the amount of domain logic which lives on an ActiveRecord model.
My experience is relatively limited, but in 4 or so years of professional Rails development, across many different codebases, the overwhelming majority of problems have been caused by bloated models with too many responsibilities.
You clearly have more experience with Rails, but your solution always seems to be "If you were smarter, you wouldn't have these problems with my framework". I've seen this problem recur again and again across multiple teams & codebases.
We're seeking to address that problem with these concepts that have been successfully used in other frameworks & languages.