Delivery Bike

I think if that was heavily loaded could make steering an issue as it would continue in a straight line even when you turn, one advantage of having a rack connect to the forks and bars

thats not really how the mechanics of steering a bike works. Having a a load on the bike anywhere makes counter steering much more necessary. That said, when you place the weight on the fork and bars, counter steering is just as necessary but also becomes much much more difficult. When the weight doesn't have to be swung around to steer the bike, counter steering is generally unaffected.