That’s fair, on the second point, but I can only partially agree with the other.
There’s no “shortcut” to real learning (i.e. developing an intuition, understanding, etc) besides practice, the closest maybe being cleverly developing new ways to teach.
We definitely don’t need to teach those old mental math tricks anymore, but brains learn via practice (i.e. manual computation) to gain the fundamental understanding needed before using tools to skip those steps.
The only way I can imagine really not needing for normal life is if you can afford to pay someone you trust to understand it for you.