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It wasn't always relegated there, and had a more prominent place right in the trackpad settings.

Probably related: right around when the setting was moved deep into accessibility, Finder started having issues with three-finger drag.

Because it changes the gestures for workspace switching / expose. They are no longer three-finger, but four-finger, thus more difficult.

I'm in the group that gladly foregoes three finger drag, if it means we get to keep other three finger gestures.

When did switching workspaces become four-finger? Meaning you can't use the three-finger option? Catalina? I have a MacBook Pro on Mojave and the trackpad accepts three-finger for the gesture of switching workspaces and the Magic Mouse has an option for two-finger.

When you enable three finger drag, all the other gestures will switch to four finger.

Disabling the tree finger drag is not enough to return everything back, you have to configure that in separate control panel.

Might just be that most general users don't have a need for that?