I have seen various questions about this but none seem to answer using inner and drop shadows in a SwiftUI View.

Let’s say one has a view (which I am representing with the Shape subclass RoundRectangle. Because it’s a Shape, I can trivially add inner and drop shadows like this:

#Preview {
    VStack {
        RoundedRectangle(cornerRadius: 10)
            // inner shadow
            .fill(.shadow(.inner(color: .white, radius: 1, y: -1)))
            .frame(width: .infinity, height: 100)
            // drop shadow
            .shadow(radius: 10)
        Spacer()
    }
    .background(.yellow)
    .padding()
}

The code above produces this:

Now, what if one had a Text view? The drop shadow can be trivially applied but not so the inner one because Text is not a Shape and .fill cannot be called. I have seen solutions that use .overlay but these assume a Shape like Rectangle.

#Preview {
    VStack {
        Text("View")
            .background(.blue)
            .overlay(alignment: .center) {
                Rectangle()
                    .fill(.shadow(.inner(color: .white, radius: 1, y: -1)))
            }
            .frame(width: .infinity, height: 100)
        Spacer()
    }
    .background(.yellow)
    .padding()
}

In fact, overlay in this specific code does not really work:

So, how can one apply that .fill(.shadow(.inner(radius:))) to create the inner shadow, assuming any SwiftUI view?