It might surprise you that the VAST majority of hobby guys use carbide, not HSS. It's true. For a hobby guy, and especially for new hobby guys, slapping an inserted carbide tool holder into a QCTP is far easier than learning to grind a good HSS tool. Some of these guys think that carbide is so good that there is no need to even bother learning to grind a tool. For others, T-15 HSS inserts from AR Warner are the cat's meow, and far cheaper in the long run that carbide. If you haven't tried a T-15 insert for finishing stainless steel, you don't know what you're missing. So, carbide (and HSS) inserts are alive and well in most of the hobby world.
So, lanagos, let me ask you. If you had a Sherline lathe that weighs 35# all in, with 0.08HP and is largely made from aluminum with plastic gibs, would carbide still be the best choice? How about a little 6" Altas lathe with a 1/4HP motor or a 9" South Bend with a 1/3HP motor that gets up to maybe 1800 rpm, max? Even larger but older lathes that are more rigid often have a max speed under 1600 rpm or less. And then there is the fact that for hobby guys, most work pieces will be under 1" OD or often made from Aluminum. Is carbide still always superior? I suggest it is not and I know you know it, too.
When you have a rigid machine with big HP and high spindle speeds, carbide is clearly the best choice but this is rarely, if ever, the case in a hobby shop. Again, carbide is still tops amongst hobby guys but there are some of us who know how to grind decent tools from HSS and maybe we talk too loud, I dunno'.