Actually, it's not normal behavior and so the reason I'm raising the issue. Previous versions of the OS use to only kill processes if it needed the resources and not if it went to the background. With the latest iOS 16, apps are killed as soon as you send them to the background or lock the screen.
As a iOS developer, I'm very familiar with how this works and I can say it's not working how it should. I have built many apps that get data from services and know that you don't always have to reload the app if your app data is still in memory.
For example, I was trying to type a reply on my phone within Safari and had to check on something on the calendar for my son, and when I returned to Safari, the entire page reloaded and it lost everything I'd typed! Grrr! I had only switched away for a few seconds, a minute at most. This is so very frustrating and making me wish I had stuck with my iPhone 12 and iOS 15.
I have Background App Refresh enabled and I'm not quitting apps by swiping up to force quit, they are simply "loosing focus" like with a screen lock. If there is a new setting that deals with this, please let me know as I can barely stand using my phone for anything that might be interrupted by another task.
Dave