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Midwives here are licenced, I had most of my kids at home and the midwife could handle slight complications, and did. Babies die in hospital births too, I'm sure all experienced OBs have lost moms and babies, birth is not always safe. Midwives have better outcomes here but can (and are required to) turn down high risk clients so it's not an apples to apples thing.
But they certainly aren't like you are characterizing, they are very good specialist medical providers- is Canada so different?
ETA: with the first two we did not have insurance, midwife did a sliding scale billing according to income, with the second set I had insurance but preferred home birth. With two of them (the first and last) they would have come at home or in the car anyway, I had very short and intense labor, am close to hospitals but midwife got to me in 5 minutes, time to set up and catch the baby. With one I had to be induced so she still attended but at birth center not home.
Registered midwives here have university degrees and a professional college to answer to. The US seems to have "lay midwives" which is pretty much nothing more than a doula, and certified nurse midwives. The level of education is very different.
https://www.floridahealth.gov/licensing-and-regulation/midwifery/index.html
Not nurse midwife - those deliver in hospital here. Certified licensed midwife.