Interesting comparison to a human driver. I believe you're giving too much credit to how fast a human reacts. Of course FSD should be faster.I don’t think they are that incompetent. As you also noted, it may be an issue with latency delay. Although, I don’t understand exactly why it appears to take nearly 2 seconds of delay before they apply the brake aggressively. I have noticed a similar braking delay in other contexts such as cross traffic appearing just after my car begins moving into an intersection. That kind of latency may be tolerable in some contexts but for urgent braking due to a pending potential collision that is totally unacceptable. It takes people only a few dozen milliseconds to apply the brakes in similar circumstances. Either the car lacks sufficient cpu or they need to build in a fast path for urgent braking.
"Studies have shown that it takes the average driver from one-half to three-quarters of a second to perceive a need to hit the brakes, and another three-quarters of a second to move your foot from the gas to the brake pedal. "
https://www.automotive-fleet.com/driver-care/239402/driver-care-know-your-stopping-distance