I have thought long about the OP's attitude, and I have a theory.
Video games are not an intrinsic game. A level 1 Pikachu is no match for a level 100 Pikachu, and you get the same performance from a that 100 level Pikachu every game. You get better a Pokemon by just playing long enough.
Chess is an intrinsic game. No matter how long you play, the pieces are always the same. Magnus Carlsen plays with the same exact pieces as a complete newbie on day one. The only way to get better is that YOU have to get better. The game is heavily affected by you, and how much you know about the current position.
People who are accustom to video games and their mechanics get all offended that chess doesn't work the same way, even if it is technically a video game on chess.com.
And of course, a poor craftsman blames his tools, rather than admitting they are just a bad craftsman.
Yeah, I get the same impression. That it's kids who play a lot of video games and think that leveling up is automatic.
This OP mentions overwatch...
Human vs human games are different. If you suck, then you'll stay bad for as long as you suck. That can be 1 month or 100 years. If you want to improve you have to change the way you play.
The whole system is out trying to get you for some petty reason.
I mean its true that Chess.com has done scuzzy stuff for money. It's not that big a leap from "let's advertise chess NFTs to children" to "let's use the same highly successful algorithmic strategy as Facebook and Youtube to boost engagement on our site."
To be clear, I don't think Chess.com is actually doing that. Chess generates its own engagement. But if you treat a website that should be a transparent, open community as a profit-making enterprise (note that nobody has these conspiracy theories about Lichess) you're going to get these conspiracy theories constantly.
And this is as true in the rest of society as it is on chess dot com.