I'm disappointed with many aspects of the state of the game and pace of development too but still have some hope.
If I can ask because I'm curious, what were you looking for Bannerlord to be?
Regarding the reviews I do agree with you, but at the end of the day any decent sized company will just look at the numbers and when it says 87% positive they will call it a succes, no matter if most of the reviews are meme reviews or contain constructive criticism.
What I would've liked Bannerlord to be is a good question, because I'm not even entirely sure myself.
But I did expect the definitive edition of what the M&B formula could and should be, if Warband was the succesful low budget Indie then Bannerlord would be TW's title to become an AA/AAA studio.
Some features I was hoping for but not limited to:
-Co-op campaign (people have been wishing for that even before Warband came out)
-Much deeper relations, RPG elements
-A vassal system somewhat akin to Crusader Kings (would make it way more fun to work your way up inside a kingdom and having smaller scale local wars)
-Pretty much taking the best features from popular Warband mods + Viking Conquest and implement them
-Overall just a lot of those extra "nice to have" features, which they wouldn't technically need to do but it's what makes a good game become great
I'm well aware though I might have had way too high expectations.