I sort of agree with you, but a big part of it is also interoperability.
What the tech companies provide (beyond a UI/UX to manage your data) is interoperability with other UI/UX's for managing other data, and maintaining that interoperability when other people inevitably change/break their UIUX's.
It's frankly a lot of work for anyone to DIY, even if you're technically savvy
You are correct, it can definitely be a huge pain, particularly as automated systems of trust continue to evolve. That said, as a programmer a few years back, technology like OAuth across various systems became more accessible to me as a newbie through OmniAuth and the wide variety of open source strategies for any platform I needed to integrate with. If programmers can do this for other programmers, I don't think it's a stretch for open source programmers to start thinking in a paradigm of servicing no-code FOSS platforms.
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