I dont understand the obsession with grouping everything in one place. Like I know why companies do it because the current philosophy is to have you eternally in their ecosystem and to never leave their site/app or do anything else and continue to monitor.
I just dont understand why people would buy into such nonsense. Like why would I want to have my wallet and money tied into a damn chat app. Why would I want to use a chat app to hail a cab and go shopping? It'd be better to have multiple services that do the one thing well rather than 100.