Well, if you use MLCC of comparable capacitance without significant voltage derating, you'll find that there is not so much of the rated capacitance left.
This really only applies to Y5V and Z5U dielectrics, which can lose as much as 60% of their capacitance when 100% of rated DC voltage is applied; the capacitance of X7R (and similar dielectrics) only declines by about 10% under the same operating conditions.
Now one problem with Y5V and Z5U MLCC capacitors that you didn't point out is their distressingly high piezoelectric effect but that, again, mainly applies to the highest-k Y and Z dielectrics, is much less of a problem with the X series dielectrics, and even less so with NP0/C0G types.
MLCC capacitors are prone to become shorted too.
One common cause for an MLCC to fail short is flexure, especially if lead-free solder is used (something I thankfully don't need to use). Aside from using leaded solder, there are usually "soft-termination" versions of MLCCs which are much more tolerant of flexure, and there are even safety-rated versions that are guaranteed to open like a fuse if they fail short for any reason. Conversely, the only choice you have with tantalum failure modes is whether it just blackens the board from overheating or it also turns into a little flamethrower.
Now, all that said, I mainly design stuff for industrial and transportation applications, so a very hostile operating environment with plenty of temperature swings, vibration and impact shock, etc., yet I have never had a single MLCC fail on me and by now I've probably used about a million of them.
So, your reasoning about being completely not competitive is quiet questionable.
Question my reasoning all you like; matters not to me.
Also if you need some thin boards, electrolytic capacitors are not any good and have own downsides.
Well, I'll grant you that one advantage for tantalum: they do come in much lower height packages for an equivalent CV rating. They do tend to take up a lot more board area, however, to achieve a usable confluence of C, V and I
rms.