Why do you insert the card in a card reader when a USB cable will work just fine?
Why this same argument again? I know you have a vendetta against card readers. There's nothing wrong with importing directly from your camera but for many of us it works better.
1. I cycle through cards while shooting, and often am importing photos from multiple cards. I'd rather not have to worry about making sure my camera battery is charged, etc, and popping cards in and out of the camera unecessarily and instead just stick them into a card reader
2. If I'm working with SD cards(ugggh), all of my cards are UHS-II but not all of my cameras support that. A card reader that supports UHS-II also is faster at import. Even with CF cards, my cameras vary in their max write speed, while my good Lexar card reader can take advantage of the maximum read speed of any CF card on the market. Most of mine are the fastest currently available.
3. Some of my cameras only support USB 2.0. My card readers are USB 3.0. Import, needless to say, is much faster over USB 3.0 than USB 2.0
4. Further to that point, in my side-by-side tests, even with a camera with a 1066x CF card that can write at 1066x speeds and connect over USB 3.0, I find the card reader is still faster
5. A worn/broken USB port on a card reader is much easier and cheaper to fix than one on a camera. Micro-USB-3 doesn't feel particularly sturdy to me.
I personally use Photos for photos from my iPhone mostly for iCloud integration, but for most editing purposes it's not a very capable program. Apple use to have two photo management/editing programs-iPhoto for casual use and Aperture.
A lot of of people who use ILCs/shoot RAW/etc don't find the cataloging capabilities of Photos sufficient or a good match to their workflow. There are several programs used for both cataloging and editing photos. Lightroom is the one I personally use and is one of the popular options(although not the only one). Aperture competed directly with Lightroom. There are several others all with their ups and downs.
More to the point, though, many of the programs have been around for a while. Photos came about I think in OS X 10.10 in ~2014(maybe it was 10.9-don't remember exactly). For me, with Lightroom, I have enough experience that I can use it quickly and efficiently. Even if I could do everything I do in Lightroom in Photos(I can't, especially on RAW files) it's not as intuitive and Photos also requires a lot more button clicks to access even basic editing controls like exposure, contrast, and even cropping. In Lightroom it's assumed you want to adjust these things and as soon as you pull up a photo all of those controls(and a lot more) are just there rather than having to click a separate button even to bring up the limited editing controls in Photos.