Need help with org-roam-dailies-capture-template

I think what you are going for is something like this:

(setq org-roam-dailies-capture-templates
        '(("d" "default" entry "** %<%I:%M %p>: %?"
           :target (file+head+olp "%<%Y-%m-%d>.org"
                                  "#+TITLE: %<%Y-%m-%d>\n#+FILETAGS: daily\n\n* Focus\n\n* Tasks\n\n* Journal"
                                  ("Journal"))
           :unnarrowed t)))

I only tested it lightly but seems to work.

I don’t think :if-new is meant to be used “in addition” to :target – the former is the replacement of the latter and does not mean “If the new note is being created, use A; if not, use target”. I don’t know why two stars didn’t work, though.