As for the no need of offices for start ups.
Yes and No.
Back when I wore younger mans clothes, the 5 min run into someone and idea sharing in the hallways saved hours of meetings.
The halls had chairs and tables in nooks so those "Hey got a sec" moments could happen.
Fixed many things before they became a defect.
Some of that is lost in 3 times a week video call.
Less interruptions is great as is less overhead.
Yet when building a thing, idea sharing is essential.
Tech can solve it to a point, but the tech we are using atm seems to not generate these events.
Also the Tax laws on working form home to a chainsaw taken to them.