I don't think it's about whether it does harm learning it: I think the problem is the relative barrier to entry that it creates for people who don't already kno

I don't think it's about whether it does harm learning it: I think the problem is the relative barrier to entry that it creates for people who don't already know this information. Friction like this reduces social mobility and access to services for many. As for your last point: that would apply to anything. There is _always_ something worse to get worked up about.