It depends, I’ve been working on building on Bitcoin and yes it is complicated and the developer tools aren’t great yet but I think that will improve with time
Bitcoin doesn’t have that many core devs and businesses building on Bitcoin are helping pick up the slack
With ETH and BSC most of these projects aren’t real development they copy paste code from GitHub. Ethereum has tonnes of VC money to create developer tools and all loads of smart people working on it
But I still don’t see what it’s actually disrupting it looks like projects looking for a problem to solve