But from my experience, I'd argue 90% of use cases of Kafka don't need sub-100ms latency. In my previous company (fintech company), pretty much 99% use cases are for asynchronous processing that can tolerate seconds of latency. We just use Kafka because it's there, there's a team that operates it for everyone so the ugly parts are hidden from everyone else, and the cost is pretty much "subsidized" (the cost is attributed to the team that operates it).
I agree with your assessment re: latency. I've been very vocal about this ever since this type of architecture came out.