A better metaphor would be that Tor and VPNs are like wearing a mask in public. It's obvious that you're trying to be anonymous, but you're still wearing a mask, so no one knows who you are.

You may be denied entry to certain establishments, but some of the bouncers don't block all masks and if you're persistent with changing your mask (Tor or VPN exit node), there's a good chance you'll get in. CTRL+SHIFT+L works on Tor Browser to change your circuit. The linked article blocks Tor, but after pressing CTRL+SHIFT+L a few times, I was able to read it.

For the sites that don't let me view them via Tor, I can install FoxyProxy and try some IPs from the free public lists. Lots of sites that block Tor don't block these IPs, although it's a bit of a pain. Another option is to load an archived version of the site on archive.org or archive.md (or .is or the various different TLDs it uses).

As for HN - it sometimes gives a "Sorry." if you try to access a certain comment directly, but after a few tries it works. This account was created over Tor and I've only accessed it through Tor. I think my first comment was dead and someone vouched for it, but now my comments appear instantly.

I've heard that banking sites don't work over Tor, but I haven't had a need to use Tor for banking, as the bank already knows who I am pretty well.

Most of the big social media sites don't allow Tor, but if I wanted to create a fake account, I'd most likely buy a residential proxy.

So it's not that bad, considering what you get from Tor (and with some VPNs, depending on your threat model) - no tracking, anonymity and so on.