What if you Finder and Terminal were the same app? What if when you cd into a directly, the file navigator updated to match?
This was born out of a recent habit I developed of using VSCode as my terminal because I liked having the file navigator and text view handy. But the limitation is that it doesn't move with you. Also, it's not Mac-assed.
Specifically, this is a proof of concept using SwiftTerm for the bulk of the hard part.