In theory, having a 'normal' guy among a bunch of wacky murderers could be fun, but it's like the writers made every possible choice to get the player to dislike Jacob. He's boring, he's cold to Shep and doesn't want to open up (realistic but we're in a hero power fantasy here), he antagonises other characters that the player already likes, and he makes poor decisions. By ME3 I'm sure they deliberately leaned into the fan response and made him comically bad.
Very slowly becoming a Mega Man aficionado.