So ... you're saying ... that it "doesn't matter" if you can send money in the most convenient way possible ... it just matters that it's possible?

Ok ... so then ... why do people seem to consistently en masse choose to do it "the most convenient way possible" with things like WhatsApp?

I don't know, it just seems like given the choice between sending money conveniently and sending money inconveniently, they seem to prefer to do so conveniently.

I could be wrong though, maybe WhatsApp flashes subliminal messages directing them to choose WhatsApp to send money.