> Of course the Messenger team is lucky in that they can drop messages since your family and friends missing a "Happy New Years" message isn't the end of the world. Other systems ( such as finance ),
Messenger is (also) a finance system. You can send money via Messenger. You can purchase products directly in Messenger. It's had all that for more than two years now.
That’s not the proper comparison. The difference is that payments sent through Messenger aren’t critical (think paying your friend for lunch), whereas for most financial transactions (eg trades of stocks, derivatives, swaps etc) it’s absolutely critical that they execute immediately.
Messenger is (also) a finance system. You can send money via Messenger. You can purchase products directly in Messenger. It's had all that for more than two years now.