That's the way.
> I'd love to just go over to Signal fully but then I couldn't talk to family, friends, and probably couldn't even book a haircut or pay my taxes (my accountant messages me on WhatsApp)
Comments like these make me think it's probably more a problem of inertia. Of course they can still talk to family (visit/call/email/sms/fax/mail,...), and of course they can still do their taxes, they might just have to get a different accountant that does business outside of WhatsApp. This all would take more energy than living in this beautifully convenient platform that Meta set up for them.