Try reading this book: https://sensible.com/dont-make-me-think/ If you made your users think, you have lost them.

That's kind of the point, these platforms don't really care what the users think.

They are not using UX controls to their best advantage then. Room for competition that does. :)

The software experience of AliPay and the other Chinese apps is absolutely terrible. My admiration for super apps quickly declined after actually using them.