So they will not use Smartphones? I am not buying it.
And monitoring payments is another method of surveillance, along with the monitoring of communications (even with E2E encryption, just knowing which people are talking to each other, and with what sort of intensity, is useful for surveillance).
And Elon Musk wants to make a similar universal app out of the corpse of Twitter... ha, wouldn't we all like that. Ironically all the people who still defend him overlap with the ones who are yelling "The woke lefties want to control our speech!"