OK, all camera settings are default with tap to focus, some pics looks great, other ones not so much.  What am I doing wrong?

Walk us through how you are tapping and we can better trouble shoot.

Combination of darkness and street/car lights perhaps?

flying over built up areas / lanes of traffic would be your first fault

Are you on manual camera settings?  What are the specs...ISO, shutter speed, Fstop, etc

Looks like its having trouble focusing at night. That middle picture looks clear, just the cars are blurred since they are moving and your shutter speed is relatively slow. Are your pictures during the day sharp? If so then the problem is just your camera settings at night.

Cameras always had a harder time focusing at night. To properly test your Mavic camera I highly suggest daytime shoots first, get used to the manual settings during daytime.. THEN do night shots.
Also.. just me.. but I would avoid flying directly over traffic, especially at night

Apologies in advance for the captain obvious question.  Are you sure you're in tap to focus as opposed to tap to exposure mode?  (Tap to focus is square indicator, tap to exposure is round).

For areas where autofocus isn't working well, try turning on focus peaking, then use manual focus. The areas that are most "in focus" will be outlined in red. That should help you to get it perfectly dialed in.

Thermal wind could be the culprit

Exposure is not right what settings are you using to take photos.

Everything is left in auto.  The tap is the square. Day time is better but not still as sharp as any of my previous drones. (Not DJI, this is my first DJI product)