The monarchy do not run the country as far as I know and they just cut ribbons and sign off things.
Look at other countries and presidents etc net worths across the globe. I doubt they hand it all back to their subjects just like yourself and I wouldn’t.
Can get a 3 pack of scissors and some pens quite cheaply on Amazon TBF under £10.
The Royal Family take tens of millions per year, it's quite a cushy life for them. They do work until the day they die though, but you get big castles, 100s of staff working for you, definitely not too shabby.
They are all criticized over their flaws as well and anyone who defends those. But obviously the reasons are different so the whataboutism doesn't work here. There are some things that are absolutely indefensible and having monarchies is one of those.
I do see why a Monarchy is nice from a tradition perspective, and they generate the country good money through tourism, it's in itself a brand. The issue is more around the scandal of the likes of Andrew who you can't really defend for one and the fact they're "born into it" when they're just regular people that used to say they were "appointed by god".
It's definitely a life of privilege. I can't see the Monarchy staying around for thousands of years more, eventually people will think its antiquated but it might remain for a hundred or so more years.