It seems you deny each problem that everyone sees in SO. The fact is SO repulsed people, so there is a gap between your interpretation and reality.
> It is as though people think they are being insulted when they are immediately given a link to where they can get the necessary answer, by volunteers.
This, for example. Question can be marked as duplicate without an answer. In this case yes, it feels insulting because the other is asked in such a weird way, that no-one will find the old when they search for the new (for example after a library change) and marking it as duplicate of an unanswered answer if a guarantee that the next SEO user won’t see it.
> Question can be marked as duplicate without an answer.
No, they literally cannot. The only valid targets for closure are existing questions that have an upvoted or accepted answer. The system will not permit the closure (or vote to close) otherwise.
If you mean "without writing a direct answer to the new question first", that is the exact point of the system. Literally all you have to do is click the link and read the existing answers.
> it feels insulting because the other is asked in such a weird way, that no-one will find the old when they search for the new
Sure. But someone else knew about the old question, found it for you, and directly pointed you at it so that you could get an answer immediately. And did all of this for free.
And, by doing this, now everyone else who thinks of your phrasing for the question, will be immediately able to find the old question, without even having to wait for someone to recognize the duplicate.