Poor old Urbit! Learning curve so steep that nobody has the time to figure out that it's bollocks on its own terms, and they are obliged to dismiss it purely on the grounds of who it was created by.
Looking in from the outside, this looks like a fairly transparent attempt at bootstrapping a fiefdom: Create a type of digital "property", artificially restrict supply, reserve a huge chunk for yourself, and hope it becomes popular (making you "digital rich" and "digital powerful").
Which is not to say you are wrong to prefer technical criticism, only that in this case the telegraphed political intent seems to match precisely the technical criticism.