From the research I did back when my 2021 died, I think there's two issues.
Issue 1) There was a specific run of engines (that seems to cover some portions of the 2020-2022 model years) that had some defective cam/lifter issues (heat treat/metallurgy problem), the cam surface or lifter roller cracks/flakes and tears itself apart, if you watch video teardown of one of these it looks like someone took a chisel to the surface of the cam lobe/lifter roller
Issue 2) There's some videos out there showing teardowns that seem to be more related to insufficient oiling (design flaw, common in a lot of newer cam in block/pushrod engines) that seems to span more than just the MY range of the "defect" issue. Lifter roller bearings wear out, lifter siezes/wipes the cam, lifters look like you held the roller up against the corner of belt sander and the cam has a perfect almost machined in groove worn out of the lobe. The problem here is that there really arent enough examples with enough mileage on the newer versions of the engine to say definitively if its a true issue or just isolated to specific drive modes (ie. high idle time/engine tuning for commercial vehicles/longer oil change intervals/oil weight spec from Ford too light etc)
Just from the dozen or so unique examples that have popped up on the forum over the last yar, there's a pretty big spread of mileage/drive cycles/idle time etc. My 2021 (build date 01/28/2021) failed with just over 80k miles on it, mostly highway with 3-4 long highway trips/year, light/medium towing (<10k lbs) a few times a year, oil changes with full synthetic every 5-6k miles, incredibly low idle hours (<15% of total engine time).
If I had to guess, the engines failing with lower mileage (in the 30-40k range) are probably tied to issue 1, while the higher mileage failures like mine and other in the 70k+ range are probably due to insufficient oiling (issue 2), which sucks because it makes me feel like there's something I potentially could have done to avoid it in my case.