That's a good point - there's an argument to be made that I'm closer to the metal in a sense of understanding every part of the transaction vs abstracting it away fully to a human agent to handle each part themselves.

It's the same with my taxes - this year I had Astra fully audit my tax returns vs just blindly trusting my CPA as I had in the past, and it both identified and thoroughly explained to me several discrepancies and filing nuances that I never before would have ever learned about.

I think the reality is such that today most people also don't learn or do that much and just abstract things away to more specialized humans at exorbitantly higher price points.