I think it all becomes muscle memory and people figure it out. The overstreamlining required by western users also speak about their understanding of systems. People in the west are apparently - educated to be afraid of complexity and problems.
I think super apps fill an "infrastructure" role in the app ecosystem. Almost like an OS, but collective. And as long as other people can hop into the ecosystem and participate, I can see the value. But it makes sense that the natural monopolies as messages and banking and marketplace become a single thing. Therefore, complex.
But I still like the unix motto, about doing one thing well. I wonder how extensible these designs and applications are for smaller teams working on single functionalities.