I don’t literally mean that he’s a criminal smuggler and he flies a freighter and not an X Wing, I mean that of the three leads he is the most similar in personality. TLJ deliberately places him in the same cocky “never tell me the odds” scenario, with Leia still being the character pushing back against him. Except this time the situation is reversed because it was written that way as a deliberate insult to the kind of people who like Han Solo. (Also this time physically hitting him, shooting him, and having her subordinate humiliate him, then gaslighting him about it.)

Finn has nothing to do at all and is presented as a bumbling buffoon, which is a separate issue.