Well, Rails is kind of an off-the-shelf solution to building web apps, so it makes some compromises to present a uniform process and API for some actions. One of those trade-offs is that the relationship between database tables in ActiveRecord is handled at the model/application layer instead of the database layer.

This has some benefits - it allows for a uniform definition of relationships regardless of database backend, allows for constraints that can’t be expressed by the database itself, and allows constraints to be used as a first-class concept for things like presenting error messages to users. But it also means that data integrity is not guaranteed - modifying records concurrently or outside of the application can result in a data model that’s valid according to the database schema but not according to the application model.

FWIW I exclusively use Postgres as my Rails database backend these days, and foreign key relationships are extremely easy to include in migrations. This still requires a companion definition in application code so that good error messages can be presented, but that seems acceptable to me. I’d hope that this eventually becomes the default for databases that support these keys.