Did you see how close the non-sheltered available models come? They come quite close. Most people aren't even using them for this purpose, but they could, and this is our reality. This is why your argument fails.
The narrow gap between downloadable and frontier models is tangential to this. If you want to expand on the "hammer" metaphor, the downloadable models are a small construction/demolitions firm, and the frontier models are a big construction/demolitions firm.
In this analogy, there's no training school or certifications for the staff either of them hire, and society is still working out what public liability requirements and planning permission laws are even though both companies are being hired all over the place, because everything they do was only invented a few years ago.
Like, e.g. the USACE
But point made.