The third camera, ok, I'll give that even though I think once the new feature smell wears off, the ultra wide camera madness will cool...I had a phone with a UW... Used it on occasion (less as time went on), and put it in the 'nice to have, but whatever if not' column.
And we really need to move past this bezel thing. There's a reason why there is a top bezel in the Pixel 4. It's jammed with hardware no other Android OEM has yet. REAL biometric facial recognition that uses two wide-set IR floods (Apple uses one) and an IR camera, a FFC (that is still the best stills FFC in the business), and the Soli radar chip that they're barely touched the surface on yet. All will eventually get hidden behind the display, but not yet. So the lack of a bezel-less is due to added hardware features that aren't available on any other Android phone.
As far as prices go, people are overlooking the true driving factor... The cost to develop all the software that is running all that hardware. All those engineers don't work cheap... And the most expensive phones have a LOT of engineers working on them. The Pixel 4 has a custom designed processing chip dedicated to imaging. How much do you think that cost?
You're starting to find multi camera rigs on even budget phones these days, but the quality still sucks... You're just getting mediocre pictures are different angles.