> But they don't. They don't in this example. Moving subjects are a blur.
If you stack the original exposures together, you'll get ghosting and not a blur. The natural-looking blur is a result of computation.
> of course stacked photo frames are underexposed, wouldn't make sense otherwise
Except it does make sense if you want to capture more shadow detail, this is how HDR images are made.
You're severely underestimating the amount of computation involved in getting these shots. These are all handheld, and as @dgacmu mentions can benefit from exposure bracketing which gives much better results than a single long exposure.
Of course you could already get similar shots from a good camera and technique - the fact these are handheld shots coming from a mobile device, and straight out with the camera is the impressive part.