You forgot that SSH can be used to tunnel arbitrary TCP streams. FTP over ssh, http over ssh, etc.
Sadly, all three are used and none of them should be.
Re:Stop Using Encrypted Email
by buzzkillington on Thursday February 20, 2020 @04:39PM
(#22378899)
Nope, ssh tunnel.
If you mean FTPS (which I suspect you do as I actually had to set up something similar at one time), that's FTP over SSL and has nothing to do with SSH.
Your point still stands though: some of the background "FTP a CSV file with a cronjob" crap that goes on in the background would horrify anyone.