>>I see people fussing with unlocking their phones to pay for lunch and I am totally bewildered.
How are people "fussing with unlocking their phones" to pay though? It literally couldn't be any easier - I pull it out, touch the screen on the fingerprint sensor to unlock it and tap on the terminal, done. It's about 200x easier than pulling the card out of my wallet, and the card can only be used for contactless up to a certain amount, and half the time it randomly asks me for my pin anyway so the whole benefit of contactless is lost. Paying with your phone is a massive improvement to convenience.
>> When my laptop gives me the first sign of trouble I just buy a new one.
I mean I hope you recognize the incredible priviledge behind that statement - for a lot of people tinkering with their laptop isn't about being a hobby IT person, it's about the fact that a new laptop costs half their salary so it's quite literally not an option.
>> life is too short to spend my Saturday morning messing with HomeAssistant.
Sure but you make it sound like it's a chore - most people(I'd guess) set up HA because it provides value in their lives, that other, more simpler devices cannot provide. So at the cost of X number of hours once a year you get a device that consolidates all of your home automation and data. If you could buy a premade device that did it without fuss - I'm sure a lot of people would.