You're misinformed as the meaning of the word cliché, if that's your definition. Cliché != normal. Heat has a variety of different people with different families and different situations, it's realistic, it's not clichéd. Cliché implies an overused trope, especially one which is heavily featured or relied upon as a major element of the story. This "soccer mom" element (which I don't agree with to start with) is a very minor side aspect barely featuring for 1 or 2 minutes in the movie. The fact that you obsess over it so much is frankly weird to me.
Also, movie critics highly disagree with you and consider Heat to be one of the best crime/thrillers ever made, original, fresh, not clichéd, and the movie which every crime thriller which came after aspired to be.
Yes, cliché implies an overused trope; in Heat, all the female characters are clichés; most of the male characters are too (the main two, the exhausted but determined cop, and the super-pro bank robber, certainly are); and so are the situations and plot developments. The "one-last-big-score-that-goes-wrong" is so cliché it should be legislated against. Everything in that movie is utterly predictable.
As for movie critics, I'd rather form my own opinion than follow those of people who's profession is to sit in cinemas without even paying for their own tickets. But, while you're right that most reviews of Heat are very positive, there are plenty of critics who thought that movie was boring and cliché. Here's one for instance: https://www.reelviews.net/reelviews/heat
"all the character-building information is cliched and uninteresting"
"About forty minutes of Heat is involving. The rest varies from humdrum to tedious. That's not a very good success rate."
"the long stretches of banal dialogue and formula plotting mute the impact of the staccato, bullet-laden bursts of energy"
None of this matters much, of course. I would feel the same if there were zero negative reviews.
Also, movie critics highly disagree with you and consider Heat to be one of the best crime/thrillers ever made, original, fresh, not clichéd, and the movie which every crime thriller which came after aspired to be.