Most people don’t know how to grow a potato. So?
On the other hand, people seem OK with paying for IDEs - witness Jetbrains with maybe $1BUSD revenue versus Embarcadero at $100MUSD (extrapolated from 2021 numbers). The numbers are a guess but the point remains.
So perhaps Delphi might have had a different future if it explicitly made all its language free and sold its IDE. People might have been pretty happy with that, because as I recall the Delphi IDE was really nice.
Anyhow that's all history.
Most of the drama in the books comes to pass when the ship-dominated Culture interacts with a "backwards and benighted," but still vital and expansionist, species.
It's just not a human future. It's a contrived future where humans are ruled by benign Gods. I suppose that for some people this would be a kind of heaven. For others, though...
In a way it's a sort of anti-Romanticism, I guess.
Some seem to conform to your analysis here, but many seem deeply compassionate toward the human condition. I always felt like part of what banks was saying was that, no matter the level of intelligence, humanity and morality had some deep truths that were hard to totally trancend. And that a humam perspective could be useful and maybe even insightful even in the face of vast unimaginable intelligence. Or maybe that wisdom was accessible to lower life forms than the minds.
"I'm learning" is not a great measure of value.