TCG Live is for people who actually care about Pokemon TCG and the complexities and depth it offers. It's not that confusing; there are maybe 3 currencies, and one of its features, like it or not, is that you can't just swipe a credit card and get everything you want. The only money-to-game translation is buying IRL boosters and scanning in the codes. Yes, the app can be fairly buggy, but it's what we've got for now, ever since they closed Pokemon TCG Online. It doesn't have trading, which is to prevent people from just having a dozen accounts and amassing all the value into one.
The currencies aren't too bad: Coins are for cosmetics. Crystals are the "premium" currency for unlocking the battle pass or buying the equivalent of IRL sealed products (boosters, display packs, bundles, etc). Credits are like dust from other TCGs. Duplicate cards beyond 4 are "dusted" and you can convert them into the singles you want for deck building.
TCG Pocket is to slowly attract people into collecting actual cards again. After you get into the cadence of opening your 2 free packs a day, people might start to be interested in collecting physical cards, which pulls them into paying for boosters (rather than just buying singles) and trying the actual card game. It's just a small bonus that TCGPocket might also earn them a bit of money, largely off of old art and minimal playtest work.