SF has dedicated commercial loading zones, for large deliveries. (Or, for some of the larger buildings, they just have an underground or partially underground loading dock.) For things like Uber, yes, one would need to find a parking spot, not park in an active lane of traffic¹. If either are insufficient, people are free to lobby for more, where they are needed.
(¹and as bike lanes are not wide enough to accommodate a vehicle, you're partially blocking a car lane, too.)
Your last point is one of the most frustrating things with unprotected bike lanes - drivers will endanger bicyclists for no real gain when they park in the bike lane because the car lane is also still blocked! Somehow they prefer to block 2 active travel lanes instead of just one.
(¹and as bike lanes are not wide enough to accommodate a vehicle, you're partially blocking a car lane, too.)