1) It's USD which implies, largely, that we're in the US. If we want to talk about global wealth inequality, that's a whole other can of worms. But, fair, $100 is rather high. Calendly is used by a lot of white-collar workers though and who generally make more than $20/hr. But sure, let's redo the math at $20 on both sides. $20 means $40 total, divided by 60 * 10 gets us $6 and change per scheduling, or 3 meetings a month to make it worth it.
2) Yes? I don't know about 20, but
1 project mgmt: Trello/Monday/Clickup/etc
2 if programming, github/gitlab/etc
3 an Office suite (MS or Google Docs),
4 Email (gmail/office365)
5 comms (Slack)
6 web hosting (squarespace/wix/godaddy/roll-your-own on AWS/GCP/Azure)
7 scheduling cal.com/calendly
8 healthcare
9 payroll (gusto)
10 bookkeeping (pilot.com or quickbooks)
11 401k
Those are just the ones off the top of my head. I'm genuinely curious to hear what I've missed!
That's besides the point though. Tools do a relatively specific thing. You can't use Slack to pay employees instead of Gusto, Slack doesn't even have a way to transfer money! So you need a tool that does the job that you need done. If it takes 20, it takes 20.
Just because a particular SaaS company uses that argument doesn't mean you have to buy their service. If you can do without it, then don't buy it!
3) Yes but that small random tool does a very specific job. I don't care if hammers are free and screwdrivers are expensive, if I need a screwdriver, I need a screwdriver and I'll pay whatever it costs. (fine, sure there's some point at which point you can reengineer something to use a hammer if a screwdriver's that expensive, but if you're smart enough to make that point you're smart enough to get my point)
Anyway, my real question is what is it about making tools that makes people so cheap? And not just software either, Harbor Freight has been making everything out of Chinesium which is ludicrously cheap, to Craftsman's detriment. If you go and see a movie you really like in a good theater, you're happy you paid for a ticket and ate the overpriced popcorn, when you could have torrented it for free at home and watched it on your phone. There's something about tools that brings out the cheapness in, at least me, and I'm trying to figure out what it is. Is it simply because we need so many of them?
https://xkcd.com/2347/ is all too true, but then Dwarf Fortress and they became millionaires overnight! Not that I begrudge them that money, but just that like, human psychology is so interesting!