Yes, you seem to have benefitted greatly, but your examples of efficiency and availability are flawed. For example:
"apps on phones that can know my tastes and preferences": I don't see any benefits. When Youtube recommends for the billionth time a stupid soccer short because I previously watched one soccer short, I want to scream. Also, privacy or lack thereof.
"hailing a cab virtually": made possible due to full-time workers who have none of the benefits of full-time workers, in other words, exploitation.
"a bonkers level of selection of goods to all consumers": One word that encapsulates the other side of your "bonkers level of selection"--Temu.
"low friction same-day delivery": Made possible due to our reliance on fossil fuels
"far greater access to online services including education and financing": I'm not sure about the financing part. Education? Yeah, if I want to learn about something like video-editing. But I could've bought a book on that in the past and probably learned it much more in depth. If I wanted to learn something like German Idealism, not so much.
I think your pocket book has benefitted immensely, but all of the other benefits don't seem like benefits to me on a macro level. But kudos to you for doing so well and believing the world partakes in your good fortune.