All you did is describe the increase in complexity of the infrastructure. Which does not rebut the point, because that is the point. The infrastructure people are using now is much more complicated than what was common 15 years ago.

If you want to rebut this you need to demonstrate the kind of capabilities we have now thanks to this complexity that we could not have before.

> you handle payments

No you don't. Most people handle payments by integrating with a 3rd party service, most likely stripe or paypal.