Apologies about the sparse information. We’re preparing for a launch. Thought this would be a great place to make the comment. It is indeed a combination of tools and skills.
Your argument is fair but yea, we are seeing adoption because tools often map to users mental model of how they want to use the agent.
All the points that you are mentioning, you can technically do with tools too. We do that at adaptive [1]. We are building privileges access stuff for agents, and it works. The usecases you are mentioning can be done with tools via our platform.
My friend works in large tech; think SV, a satellite office in Amsterdam. Both of them earn greatly. With two kids, they literally don't have any saving at the end of the month. With 52% taxes and mortgage, even with child benefits. of course you don't pay a lot for the education, but the daily operational cost is very high. Small unplanned activity in NL can make you go in the red. Rising energy and grocery prices are not helping either.
Reddit for expat in netherlands is full these posts.
Legacy system users are also the one who pays the most for tools and services. We sell to enterprise, I can attest to that. If it is relevant usecase and positioning for the market, it should be fine.