The explanation that you're providing is really a rationalization for paying more to procure an inferior product. You're always going to have wastage of perishable items. It's much cheaper and sensical to avoid moldy strawberries, close to date meat and dairy, etc by shopping yourself, or hiring your own casual labor without some intermediary subtracting value.
All of these services are hiding costs through VC largesse and exploitation. You can literally get more for less by just hiring a housekeeper and having them pick up stuff for you, but nobody does that because the costs are "above the line", and it feels less nouveau riche and more clean to have some service exploit the poor sap picking your banannas rather than talk to a human.
the explanation I gave is literally for paying less, so you missed the point of it, and you are then blaming econ 101 for your lack of understanding. And you are mixing in other factors that econ 101 covers, but the point of econ 101 is to learn to separate different factors.
As investors tire of setting money on fire, that will become more apparent, just as it did with Uber as prices went up and quality went down.
If you're insuring against a risk, and you have more information than the insurer, you may be profiting and the insurer may be running a loss.
If you're picking out your own groceries, you can select the pristine fruit and vegetables, and the grocery store takes the loss. With a disinterested picker, you take a portion of the loss.
Think of it this way, you have fruit at home to be shared by all the members of your family, it was fine when you bought it, but now some of it is bruised. So now you own a mix of fruit: what do you do, throw away the bruised fruit, or trim it, or give a loved one the good looking one and eat the bruised one yourself? Those costs (tossing or trimming or eating slightly lower quality) have to be borne by somebody, in this case the whole family or a member of the family.
You buy a car and you buy insurance for it; that's because a car is expensive and you don't want to bear the burden of a bruised car yourself, you want to share that burden with all the other people who buy insurance; and yet, the insurance company is making money, so apparently you are paying a little extra for this decrease in the variance of quality.
Same with your theory of purchasing fruit: you are not saying (in your original comment) what you think you are saying, that bruised fruit is too expensive; what you are actually saying is that you prefer to overpay for expensive fruit all the time and not deal with imperfections. Because otherwise, if the supermarket could sell all their fruit and not just perfect fruit, and was competing against other supermarkets, then the fruit would be overall actually cheaper across the board; you say "you don't get any discount", but with time you actually would.
I explain all this because it allows you to live your life feeling less miffed.