Interesting.
I think I was having a similar conversation with someone about Ken McLeod recently.
On point 1 - Even though these books are set in the present day, I personally am quite happy with books set in the future going off at a tangent from a point earlier than today. Most authors seem trapped by this problem if they began writing, for example, while the Cold War was still in danger of becoming hot, but I still find these stories very compelling.
On point 2 - I don't like getting into difficult Hard-SF related discussions, as I feel overwhelmed by the scientific possibilites that *might* be just within our reach. I only really take issue with these kinds of inconsistencies when, as you say, a show like Star Trek is portraying the 23rd Century as (in some respects) lagging behind 21st Century innovations.
As for the characters - this is the one issue that is immediately defensible, of course, as there is no way to know just how we might behave socially in the future, real or imagined!
Posted by Dave
Sometimes they seem a little too much like us.
That has never bothered me. I don't find these advanced human cultures of
The Culture hard to imagine - I mean I probably couldn't come up with them myself, but the way they are written makes them very accessible, which is probably what makes them very like us. I wonder how alien the Romans, Greeks or Egyptians would seem? Or any other major ancient cultures. Once you remove the barrier of language, I think a lot of social norms boil down to a concept of human emotions that are fairly universal - love, hate, envy, greed, nobility etc
These future people's motivations are the same, but their basic human needs are catered too without effort, and therefore their desires get to run wild, and at base they seem to have the same instincts as us.
Maybe I am mixing Banks up with other, Earth-based SF set in the future. How close are the Culture to humans? I can't quite remember.