We throw money at them for very little benefit to us. That's it. What more is there to it? On top of that, there is the Duchy of Cornwall. You forgot Lancaster. But read my last post for my take on it. We do not know the full detail of the civil list, even one you have read the Household accounts, there are some omissions, probably for very good and obvious reasons.
However you want to spin it, they are different from you and me and have different privileges and rights. They are different by law. They have different taxation exemptions, they have different funding systems, everything is different. Yes! Some of that also comes from the agreement made re Crown Estate. Lots of that is changing, every year.
The question is why aren't you jealous? Are you happy for the government to recognize one particular family as being intrinsically worth more than others? Well, the second half of that does not necessarily follow from the first. But: I am not jealous as it does not cross my mind to waste any energy howling at the moon. No emotion I evince will change the current reality. I don't care how the government, or anyone else, values me. Again, it would be a waste of time being unhappy with it. I pick my political battles and fight them in a more meaningful manner. I find that bottom lip trembling has little effect.
I am certainly envious of their wealth. While I struggle to pay a mortgage in London, they have money thrown at them by me and other people like me. But that isn't why I dislike monarchy. Unlike bankers, whose wealth I also wouldn't mind, it's the RF privilege which really gets me crazy. Unlike a banker, they different by law. That's what gets me. Well that is your choice. I am sure your life would be happier if you could get over it, if you could better value what you do have.
I'd be happy with the RF once their special privileges and status are revoked. Once they become one of us, the "jealousy argument" won't apply. Yes, and I would be very happy if all benefits and credits were removed and everyone had to live off their own efforts.
Doesn't sound anywhere near as pleasant that way, does it?
If you want equality and revocation of any privilege it should apply equally to all. Not just at the object of your ire.
That is why I said upthread, we do, as a society, need to discuss this. But not with such splenetic emotion or with any information being supplied cryptically.