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.