You’re missing my point. PayPal doesn’t use crypto and it’s easy to use to send money around. WhatsApp, just like PayPal, requires a user to onboard. What makes PayPal complex is the international law around sending money, not the tech stack.
Looking at cryptocurrency as just the tech stack is an incomplete view of the system. For better or worse, using a cryptocurrency is also a mechanism to sidestep international law. (For now. Regulators will catch up with Facebook sooner or later.)
