> They're paying for insight, leverage, velocity, convenience, whatever.

Correct, they are paying for work done by people in other roles, who's title isn't UI or UX designer. It's on the backend person for velocity, it's for business development for leverage, it's on data scientists for insight, it's on logistics for convenience. Those people will be paid for solving those problems, not for tweaking CSS. My team, who falls into this category of more invisible work, has not hired UI or UX person at all. Which by mathematically speaking by default, is simply below the average rate for that work. Meanwhile Apple will pay easily mid six figures for someone in a more flashy role.