it is a way to dupe people into even more centralized control over their finances.

letting a social media site become your bank is not really "innovative", it is a way to dupe people into even more centralized control over their finances. if your x acct gets banned, you will not only be depersoned from the site, you'll be debanked. voluntarily supporting the formation of the "everything app" (musk's ambition for twitter) is a very slippery slope. limit