(Just for the record I don't vote AfD. I do like being German and I like what little culture we have left. You can be patriotic and at the same time left leaning.)
Some countries are approximately 50% national flag by surface area, fist pumping and chanting the country's name at every opportunity despite being run by people making Nazi salutes, but "it's okay to like your country's culture" is instantly equated with Nazism? Come on man...
In the US, immigrants make a point of showing their patriotism by immersing themselves into American culture. We don't have a similar cultural phenomenon in Germany.
> consider Germany only as a source of welfare to extract and transfer elsewhere
You would be surprised how many natives share this viewpoint. This can only work for so long before something collapses...
Tho when the median voter is 55 and national motto is "that's how it was always done" and "Pensions are secure" - I don't put much hope. I still remember the outcry when the digital health cards were introduced.
Your other points are more or less true, I just like to think that people complain a lot and media obviously makes it worse.
Digital health cards, online tax declaration, etc. These things did happen. People complained, but these decisions were not reverted. That's the most important.
By many things at once: Datenschutz, (over- and premature) regulations, bureaucracy, laws favoring old ways (e.g. broadcasting licenses for streamers), active sabotage from workers who don't want to learn things (and can't be fired) etc.
But all stems from risk averseness and active unwillingness to learn new ways.
As you say, (some) things did happened, but way too slow and way too little. Compared to its peers or especially developing countries German Digitalisierung is a joke, a not so funny one.