Masha'Allah ... good answers
I have prepared an answer as well ... I hope you will find something new in it.
You are not insulting the slightest. I'm not a scholar but I know there are verses from the Quran that deal with this question. Insha'Allah (God willing) I will use the Qura'an to answer your questions.
The verses to follow describe a dialogue between the prophet (may peace and blessing of Allah be upon him) and the infidels of Makkah (Qura'an 6:4-8): (translation of) Quranic verses are qouted and my commentary is below every verse in plain text.
And never an Ayah (sign) comes to them from the Ayât (proofs, evidences, verses, lessons, signs, revelations, etc.) of their Lord, but that they have been turning away from it.
Here Allah (subhanaho wa ta'aala) states that they have rejected all previous signs and messages ... including miracles.
Indeed, they rejected the truth (the Qur'ân and Muhammad (peace be upon him)) when it came to them, but there will come to them the news of that (the torment) which they used to mock at.
This is a threat that if they continue in their denial ... the punishment is near
Have they not seen how many a generation before them We have destroyed whom We had established on the earth such as We have not established you? And We poured out on them rain from the sky in abundance, and made the rivers flow under them. Yet We destroyed them for their sins, and created after them other generations
and here .. Allah (subhanaho wa ta'aala) reminds them of previous nations who were more powerful, yet they were destroyed by Allah (subhanaho wa ta'aala) for rejecting the truth.
And even if We had sent down unto you (O Muhammad (peace be upon him)) a Message written on paper so that they could touch it with their hands, the disbelievers would have said: "This is nothing but obvious magic!"
and here ... Allah (subhanaho wa ta'aala) states that even if they had something tangible like a message written on paper, they will still reject it as they rejected the ones before it and will find execuses for this such as "this is magic". It is their closed hearts that is preventing them from seeing the truth ... not the lack of evidence.
And they say: "Why has not an angel been sent down to him?" Had We sent down an angel, the matter would have been judged at once, and no respite would be granted to them
and here Allah (subhanaho wa ta'aala) answers some of their arguments ... such as: why did he (Allah) send us a man not an angel ? ... look at the arrogance! .. so Allah (subhanaho wa ta'aala) says that after such an obvious undeniable sign, there will be no room for making a choice and the angel will only bring the promised doom to them.
This is another dialogue: Qura'an 17:89-96
And indeed We have fully explained to mankind, in this Qur'ân, every kind of similitude, but most of mankind refuse (the truth and accept nothing) but disbelief.
And they say: "We shall not believe in you (O Muhammad (peace be upon him)) until you cause a spring to gush forth from the earth for us;
Or you have a garden of date-palms and grapes, and cause rivers to gush forth in their midst abundantly
Or you cause the heaven to fall upon us in pieces, as you have pretended, or you bring Allâh and the angels before (us) face to face
see the arrogance ! They want Allah (subhanaho wa ta'aala) to come to them in person so they can believe !
Or you have a house of Zukhruf (like silver and pure gold), or you ascend up into the sky, and even then we will put no faith in your ascension until you bring down for us a Book that we would read." Say (O Muhammad (peace be upon him)) "Glorified (and Exalted) is my Lord (Allâh) above all that evil they (polytheists) associate with Him! Am I anything but a man, sent as a Messenger?"
And nothing prevented men from believing when the guidance came to them, except that they said: "Has Allâh sent a man as (His) Messenger?"
so they said .... what is preventing us from believing is that Allah (subhanaho wa ta'aala) has sent a man to us .. so they viewed that as not enough ... while they are only humans themselves ! So Allah (subhanaho wa ta'aala) replies to this:
Say: "If there were on the earth, angels walking about in peace and security, We should certainly have sent down for them from the heaven an angel as a Messenger." Say: "Sufficient is Allâh for a witness between me and you. Verily! He is Ever the All-Knower, the All-Seer of His slaves."
So he sent them a man like themselves for them to learn from him (otherwise they would say we cannot imitate an angel).
I hope this was clear .. sorry for the lengthy answer !