She's something much worse than terrible. She's dull/boring
I think its down to the writers rather than Jodie Whittaker, I agree with you entirely, I've watched every single series of Dr Who from the very first Doctor and I find this iteration of the Doctor to be dull/boring and the least Doctor-like of them all. Not because of Jodie though, she can only play the part as written/told to...I put the blame squarely on the writers, even the best actor/actress out there struggles when dealt dross to perform. Hopefully what she is served with will improve, if it doesnt then I can see it being cancelled after season 12 and put to bed for several years.