It ends up definitely being a tax on developer efficiency overall. It also makes web development more hostile to newbies because they have to figure out how to

It ends up definitely being a tax on developer efficiency overall. It also makes web development more hostile to newbies because they have to figure out how to configure a server or hop into some third-party toolset on the web to start experimenting. With the tendency to ban use of new features on non-HTTPS origins (hi again, Chrome) a newbie developer will soon have to have both a server and a https cert before they can even start experimenting. If they host on a third-party https domain now third parties are responsible for malware that might get hosted there. It just sucks.