Let's be clear in our definitions here: when people say "Tarot is BS", they don't mean "it can never get the right result"; they mean "it doesn't get the right result through some mystical, spiritual, or divine knowledge as the practitioners of Tarot often claim it does". Additionally, if a Tarot practitioner does not make such claims, and instead points to any of the psychological explanations you mentioned, then the cards are no longer relevant to the practice anyway since they are not involved in the true mechanisms.