Control binds inconsistent/missing

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On PC, I have some functional complaints -

Why is everyone both in love with and determined to force players to use a mouse wheel?
Why is the mouse-wheel click hardbound to "unequip"?
Why can't I just drag and drop inventory items?
Why can't I steer my vehicle by mouse?
Why is "F" interact hardcoded to some interactions and the bound interact key okay for others, while in some other circumstances a left-click while the "interact" cursor is shown also works?

Note; all but the last are exactly what I said to start - complaints.
I believe the last item is a bug. While it's unfortunate that keybinds are available for everything that I would like, having contextually dependent controls for the same action violates the "rule of least surprise" in design.
 
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