Same could be said of messi with Argentina, but one would be a fool to dismiss messi and his skillset because he couldn't 'shine' in a final, a lot if this game is luck or many things coming together and for some sometimes it doesn't happen.
With Argentina yes, not with Barcelona. He's actually the reason they won those CL titles. Same COULDN'T be said of Higuain. Let's just accept the fact he isn't a player for crucial moments, the ones that add to a club's trophy room. One could argue to get to those crucial moments you have to get past other moments and it's true, but in the end Football is about winning, and you win by being the best at those crucial moments.
I'd agree with you if this wasn't such a recurring thing with Higuain and the big stage.
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Having said all that I'd still play Higuain, I said many times I don't think he'll suddenly stop scoring. He will score again soon.