I don't use WhatsApp, I helped most of my family and many friends move away from it, and I feel like we (you and I) see WA in a similar way. IMO the main issue here is the network effect and vendor lock-in (for the lack of a better term -- I'm writing this from my phone in a rush).
> Where am I wrong? What am I not seeing?
English is my second language, so maybe I'm missing some context here, but every time I hear techies calling non-techies "Normies", it's used in a derogatory / condescending fashion. That's reductive (non-techies are not a homogenous group) and somewhat intellectually lazy.
To give you an example, WA users in the US and, say Portugal or Poland ended up using it for slightly different reasons and in a different technical context. WA used to be the best video chat app for quite some time in the UK, AT or PL (imo), and I know of many people who started using it for that specific reason (esp. important for large migrant communities). FaceTime wasn't that popular because Android market share in the EU was bigger than in the US.