I don’t know about “be successful”, depending on how you measure success. All of these examples have been subsidized by cheap money for years, undercutting competition - and taking year after year of losses while they do it - for the purpose of capturing the market and driving out competitors, so that they can subsequently enact monopolistic behaviors to start actually turning a profit once customers have no other choice.

The problem is money suddenly got expensive, so now they’re scrambling to find a way, any way, to turn a profit, before full market capture was achieved.

Can services like this be reasonably priced and user-friendly? Sure. Can they “succeed” / become sustainable while remaining so? Current examples indicate that’s where the problem lies.