I've had the GFCI switch in the main fusebox in a couple of modern-ish apartments. That seems a perfectly sensible place for it, it's where you'd go to check whether the room breaker had tripped anyway.
My house came with an EV charger wired through a GFCI breaker. That damn thing tripped constantly because I guess it was malfunctioning? And they are quite expensive for a 50A version.
Newer panels and breakers are plug-on-neutral, older breakers have a pigtail to the neutral bar.