Is global mass surveillance and deliberate culture erosion part of this model too?
I'm not sure why you are accusing the US of mass surveillance and deliberate culture erosion.
Not sure if serious
One multi-usage phone app (chat, pay, navigate, …)
Ah... so the one that myriad people have been chasing for at least 2 decades, now. I've lost count of the number of companies I've consulted to who were chasing that chimera. Good luck to them, I say, while gleefully taking money off them.