> The fun fact is that those people have 100+ apps on their phones, which run in the background, draining their batteries, tracking the sh*t out of them,
This is wildly untrue on iOS. Perhaps people have 100+ apps. But the rest, not so much.
> Are they silently shut down/paused after a while?
Yes. This has been the case since 2008 when the first version of iOS supporting third-party apps was released. Background refresh allows some quanta of work do be done when an app is not in the foreground, but only limited things.