The difference in speed is familiarity, not some inherent efficiency gain by typing commands into the cli.

That’s the naivete of the Internet talking. Of course landlords create value; they do so in exactly the same way lenders create value: they absorb risk by amortizing upfront costs and charge a premium to do so.

If you didn’t agree that it’s an ethical way to participate in the economy, say that. Don’t try to pass off a moral judgment as an objective truth.