The terra package has a new object class `SpatRasterCollection` for image collections than can be used with `terra::mosaic` or `terra::merge`. This greatly simplifies mosaic operations. Here is an example where we: 1) create a vector of raster files; 2) use `lapply` to create raster objects wrapped in `terra::src` to create a SpatRasterCollection; 3) pass the image collection to the `terra::mosaic` function.  

    library(terra)
    img <- list.files(getwd(), "tif$", full.names=TRUE) # the $ exludes aux-files
      ic <- sprc(lapply(img, rast))
        r <- mosaic(ic)