Filesystem is the layer of software that turns a raw disk into files and folders

Disk offers something dumb, a huge numbered array of fixed-size blocks. Block 0, block 1, block 2, up to a few billion

You can only read or write to blocks

Filesystems (ext4, APFS, NTFS, XFS, etc.) is code that imposes structure on that array

It maintains which blocks are free and which blocks belong to which file