The thing about building an "everything" app (payments commerce messaging etc)is that it doesn't work if you won't build it for ~everyone.
Unless you can - for example - get an entire family to use it regardless of their political leaning, you will fail.
An everything app must be as inoffensive and apolitical and non ideological as possible.
Whatsapp. Facebook messenger. Etc.
Musk openly does not want X to be that.
https://joanwestenberg.com/blog/the-everything-app-has-to-work-for-everyone