One of my best friends is a philosophy grad, and another is a very intelligent financier. What we've come to realize is that speaking and writing and making arguments is fruitless. You either have had the embodied experiences to recognize a statement is directionally correct -- to various magnitudes -- or you don't.

No amount of words will change that.

It is my experience -- after seeing the quality of thinking from those philosophically trained (I am not) -- that learning philosophy is learning how to think, and by extension figuring out for oneself what is capital g Good.

Morals and ethics are different and you conflate them. That is the crux of your confusion. Someone can understand morality inherently without ever thinking about it; but ethics requires actual intentional thought over years and years of reflecting on lived experience. What is good for you and your small circle can be grasped intuitively, but to grasp what is good "at scale" must be reasoned about. Without having seriously grappled with this, one is liable to have simplistic views, and in many cases hold views that have already been trodden through and whose "holes" have been exposed and new routes taken in unveiling ethics.

Without seriously having interfaced with it, it's like talking to someone about the exercise science when all they know is do steroids, lift weight, and eat. Sure, that works, but it lacks nuance and almost no thought has gone into it.

Anyway, this is tiring. Philosophical discussions are not something to do with strangers. It requires intimacy and is a deeply personal conversation one should have with those close to them and explore together.