There is no such thing as the perfect viewfinder configuration for every camera and certainly not foch the viewfinder is accessed and the way we use a camera at eye level to steady the camera is only one issue to examine.
A little history: Most of us do not use old film cameras but many of them, from large format, through medium format to 35mm, had multiple options. Even large-format press cameras have a view camer-like groud glass, an optical viewfinder and a sports (wireframe) finder for various shooting modes and requirements. Many advanced level twin-lens and the single-lens reflex camera had interchangeable wast level, eye level/prism, and sports finder options. This enabled eye-level viewing for general work, waste level position when that was called for and even being able to compose when holding the camera overhead by holding in upside down and shooting. You could use a waste level configuration when using the came on a copy-stand or shooting vertically downward from a tripod. Many of these cameras had ample focusing hoods with build-in magnifiers, enable precise focusing and composing even in bright ambient light conditions. Currently, however, most DSLRs do not have removable or interchangeable prisms or viewfinders. Compare with an only LCD screen at the back and cellphones do not offer these conveniences. There are some ad-on accessories as for hoods and magnifiers.
So...steadig the camera at other than eye level, without a tripod or other special grip devices, can be somewhat problematic, however, as others have mentioned there are ways and means of solving that issue via special rigs, improvised holding methods and of course utilizing the image stabilization feature of your camer if you have this option.
I don't wat to go too far off-topic, however, no one has mentioned the other important aspect of a conventional eye-level viewfinder whether you are assessing a live view image or a reflex image. Holding a camera or a cellphone camera, out in front of you, where the screen is not protected or shaded by a hood or closed viewfinder housing can be extremely problematic where precise camer position is required. Operating in a high level of ambient light can be a nightmare. In such fields as portraiture, where exact camer position in relation to the subject's face is crucial, establishing eye contact with the lens, and precise positioning for corrective facial analysis techniques can be awkward and seriously impaired without comfortable access to the viewfinder eyepiece and darkness surrounding the image on the screen. Even nowadays, when shooting weddings or events, I sometimes miss my wire sports finder where I could see the expression in darkened rooms and even tell when using flash if the subject blinked or flinched at the moment of exposure.
In retrospect, steading a 4x5 press camera or even a medium format unit with you forehead may have resulted in a serious dent in the skull! For many years, one of my studio employees, unfortunately, lost his left hand and forearm in Vietnam. He was one of my top wedding shooters and operated both a 4x5 press cameras , we did not phase them out of wedding work 'till 1969, and then onto various medium format film camera with onboard flash units, steadying the bed of the cameras on the remaining part of his forearm arm and manually operating and steading the camera with his right hand. He was fast, efficient and never missed a shot. Where there is a will there is a way and it's surprising and hearting to see what folks can improvise when they are resourceful.
As for the folks who just complain and spend so much of their time on this forum arguing semantics, criticizing each other's language skills and comprehension, perhaps they should spend more of their energy and creativity figuring out solutions to legitimate problems and issues in photography. Get a "grip"! Make a "grip"?