Let's say you have a database with 100 tables in it. How many insert statements might there be, just a rough estimate, in your layer of functions? My ORM has 1. At the most basic level, a simple ActiveRecord ORM has 1 insert, 1 update, 1 detele, and 1 select statement. How many are in your typical app? If it's more than 1 of each, then it's duplication.
I haven't written an insert/update/delete statement in years because I don't need to. When I need a fancy select that's an aggregate of several tables, I write a view and then map it into a list of objects with the ORM. This is virtually no work, I spend all of my time working on the actual problem at hand and virtually none marshaling data in or out of the database.