Recently I purchased Mithril gear and ... Guards took me to the prison without even being able to defend myself and on prison, doesn't matter if you have summoners, dark mages and time mages, you can't use this magical abilities to escape. There are a lot of fire in the city but I can't cast blizzard to get rid of the fire.
See you're not thinking like the Japanese.
RPG elements are solely for combat and dungeon crawling.
The story and events are meant to be non-interactive, just something to click through till you regain control of your party for the next crawl.
When there are adventure elements, they follow adventure game rules. You match pegs (items) to holes (locations) and press A next to NPCs (or navigate a dialogue tree, if it's a bit more flavorful) to activate a trigger.
There was never meant to be an intersection between the two. This is absolutely deliberate and intentional design. The mindset here is that the player is reading through someone else's already completed tabletop campaign, and the parts they control are a
disconnected game that is loosely thematically related e.g. the story says the party has 3 characters and their names are Tifa, Luca and Reimu, that look like a big titty anime bitch, a nerdy girl and a loli witch, so your character shall look like this too (despite what you, the player, may have equipped them with). The story says they are exploring some ancient ruins, so the dungeon tile set and enemy sprites will match.
The goal isn't to simulate a world, or to have player narrative participation. And IMO, it shouldn't be, because the logical conclusion of this is some kind of boring VR or economy simulation --- see what Chris Roberts and Lord British are doing, that's
exactly what they wanted to do since the very beginning, and what you are complaining is missing.
Instead, the Japanese made their goal to create a
game with something to read and watch in between or to create something to read and watch with a game in between depending on what the devs care about more.
My own preference is all game, no shit in between.