Yeah overall I'm not really sure how to feel about Ozark. The message that bad people use their power to avoid consequence while poor people get screwed over and can't escape their situation is beaten over your head for 4 seasons and gets a little old.
I don't necessarily need to see bad guys get punished to have a satisfying ending but there was absolutely no catharsis in the final season. Marty barely existed in the final season and it's very obvious they ran out of ideas for most of the other side characters. Would have loved to actually see some character growth from Marty or even 1 scene where he pushes back against Wendy.
Wendy is a good character but good lord is she insufferable to actually watch most of the time. It's like yeah you can make an interesting character who happens to be insufferable but that still means that we're spending most of our time being annoyed by this character. She moved past "love to hate" into "get off the screen" in Season 3 I think.
Too many wasted characters and overall plot stagnation means that I'm not sure I would actually recommend Ozark to someone.