I agree wholeheartedly about making navies matter more, and making maritime trade more lucrative than land routes. I've been banging that drum for years myself. In real life, maritime trade is almost incalculably more valuable than land trade, and throughout history the strong maritime powers have mostly dominated those nations that weren't. If anything, the designers would have to make sure the game didn't model the real world too closely, in order to give non-seagoing nations a better chance to succeed than they've had irl. But I think Civ VI (and maybe also Civ V, iirc) went too far in giving land trade too much parity with maritime trade. I mean, irl, maritime trade might be worth, I dunno, 10x what land trade is worth, in terms of return on investment, distance and volume. In a game like this, maybe it should be "only" be worth 3-5x.
A quick Google search turns up the following numbers for the United States in 2018:
Value of trucking in the US, which carries most of our land freight = $796.7 billion
Value of US seaports = $5.4 trillion
So sea trade accounted for about 7x the value of trucking. Shipping, imports and exports, was about ¼ of the nation's GDP in 2018. The value for trucking doesn't include railroads or air freight, but trucking represents the largest portion of land trade here. You could perhaps look at these numbers as "domestic trade routes" (the trucks) and "international trade routes" (the shipping), and even with all our investment and innovation in land trade, maritime trade still accounts for far more value. I wouldn't be shocked if Imperial Rome or Great Britain in the mid-18th Century were similar. In fact, they might have had even more of their GDP from their maritime routes, because they didn't have railroads and multi-lane interstates.
Rivers and canals have made a huge difference to inland trade over the centuries, and I don't know whether river trade is given due respect or short shrift in Civ VI (although I kind of feel like it's the latter). I think most of the world's great rivers have been major trade routes. The city of Montreal pretty much exists because that was a portage on the Saint Lawrence, and I bet there are cities in Europe that exist primarily because of the economic value of sitting on one of the big rivers. One of the things that dramatically grew the economy of England was the proliferation of the flat-bottomed river boats that allowed trade goods to be delivered inexpensively to every little village and hamlet. Marco Polo wrote that the canals in the capital of Imperial China were so crowded with barges and boats that you didn't need a bridge to walk across.
Anyway, with all of that wealth traveling by sea, interdicting those maritime routes is the key way to cripple an adversary's economy. Hence, navies.