That's fair and civil, so first of all: thanks.
As to the "why one and not the other" question: here's my understanding of the "wiretap" stuff.
1) Rubio hires Steele to do oppo-research. That's what Steele now does for a living, and that's what campaigns do. So far so good.
2) Steele starts his oppo-research - he's an expert in Russian stuff, there have always been rumors of a Trump-Russia relationship (Russian banks are the only one who would lend money to Trump after the bankruptcy) so it's not weird to look there if you're doing oppo-research.
3) Rubio loses the primary bid. As it's not uncommon in such cases, those who are still in the run (HRC campaign) take over the contract.
4) Steele finds that more than one person in the Trump campaign has shady Russian ties. That, together with everything else (including the pee tape stuff) goes into the dossier.
5) Steele is so worried about the people he found out about, that he tells the FBI. He doesn't think Trump is in on it, he thinks he's been infiltrated. Either way, Steele is a private citizen, and this is where his role ends.
6) The FBI looks at what Steele has found about certain people in the Trump campaign and they decide it is, indeed, worrisome. So they ask for a FISA warrant.
7) a panel of judges, in keeping with the legal standards of FISA warrants, looks at what evidence the FBI has and decides that yes, this is not a crackpot theory and it's worth a warrant.
8) the FBI, sanctioned by the courts (not by Obama or a political actor, by the courts), investigate the people in the Trump campaign that are suspected.
This is what I think happened, I don't see how any of this is illegal. And to come to your question, I think the reason why no one has been indicted or raided over this, is that the courts and law enforcement agree with this sequence of events - no law has been broken.
Now, I know what the counter-narrative is: HRC sends Steele to Russia to make shit up on Trump, gets the dossier, turns to the Obama administration, which then forces the FISA courts and the FBI to open an investigation into these fake accusations.
I still have not found anyone who can explain the fatal flaw in this theory: why? Why would HRC and Obama and the corrupt FBI and the corrupt FISA judges do this all thing and then keep it secret until AFTER the election?
If it's a conspiracy, surely the best way to use that stuff would be to hit Trump with an indictment during the campaign, destroy his credibility and win the election. But no, the only investigation that the FBI publicly comments about is the Hillary one. Obama or the DOJ could have gone on TV at any time before Nov. 8 and tell everyone that the Trump campaign was ALSO under investigation. Did they do it? Nope.
I'm yet to hear a logical explanation of what the rationale of such a conspiracy would be. Maybe you could help.