It seems that routeros does ignore inter-area routes if the router is not a area border router and not connected to area 0.0.0.0
a temporary workaround is to create a virtual link to a area border router, but that makes this router also a area border router and as such has much more routes installed (else only summary lsa would be installed)
I checked how other implementation behave (bird3), and as expected, bird installes inter-area routes.
This bug seems to exists since at least 7.20, a beta of 7.21 broke also the virtual router workaround.
What I’m not quite sure is if mikrotik developers think non backbone router should not install inter-area routes (that would make no sense)
https://www.rfc-editor.org/rfc/rfc2328 section 4.1 does not mention that inter-area routes (essentially summary lsa) should be ignored.