The fish store angle is worth considering but not gospel - they sell canisters for a reason. That said, your gut feeling about the setup struggling is probably right. Two HOB filters on 75 gallons should theoretically handle it, but HOBs have a real weakness: they mostly push water through the media without actually pulling debris off the substrate the way a canister intake does. Detritus sitting around plants is a red flag that your flow isn't reaching the floor where it matters.
Before committing money though, check what your actual numbers look like. If nitrates are creeping up, phosphates are high, or ammonia's not zero, then yeah - you need better filtration or flow. A canister would solve this because the intake sits on the bottom and you can position it to directly sweep debris toward the filter. But you could also try adding powerheads or repositioning your current HOBs first, which costs way less. And honestly, some detritus under plants isn't automatically bad if your water parameters stay stable - plants actually use that stuff.
What are your test results actually showing? That matters more than the visual pile.