I agree with this statement. I'm in the US. I'm just waiting for the moment that my Venmo and Zelle transactions are sent to the IRS and they want to start asking me about my "income", aka splitting bills with friends.
This is already the case with 1099-K and even though the link at https://www.paypal.com/us/smarthelp/article/how-does-paypal-... refers to sales, the catch all mechanism is entirely driven by number of transactions and amounts which are easily attainable with an active social circle.