Facebook Messenger already has this feature using fiat, Apple lets you send money via iMessage, Telegram already has this feature. Seems like adding payments is staying competitive with features other messaging utilities has. It might also be a money grab, but something can be two things at once.
If you just wanted to send cryptocurrency, great, you use your normal method of doing it, making it something built into a chat client is at best nonsensical. It didn't need its own cryptocurrency offering, that part is just a cash grab that taints Signals mission.
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Remember the Signal PIN which is used for recovery of your account? It now lets you recover all of your money too, so that's going to be a great target for spear phishing attacks. That feature got a lot of pushback because nobody could really work out what it was supposed to be adding to the software, turns out, useless cryptocurrency.
If your other complaint is that Signal tried to make money, I hate to break it to you, but that's kind of, like, how capitalism works? If Signal runs out of money, Signal stops working.
That's a good point but: Do you know the wallets of all your friends? The advantage of Signal is that it knows your social network.