Wow, thanks for such a thorough answer!

Thank you!

Explain me like I’m five - why?

Also refreshing which is rather common action in this kind of apps should be more convenient imo

But doing a refresh on a home button click is just really common pattern. Look Reddit, Facebook, instagram, Netflix, LinkedIn etc. It’s not optimal UX-wise to break patterns repeated in so much apps that they basically became a standard, because it creates confusion for users.