For those who don't remember, it might be worth it to read a little about the history of x.com, a failed e-bank that later got wrapped up in PayPal and E-Bay. Understanding this history should enlighten you quite a bit regarding the current direction of X app.

x.com was ahead of its time, along with wingspanbank and a few others. now we have banks like Ally, which is the same thing a couple decades later.

https://www.encyclopedia.com/economics/encyclopedias-almanacs-transcripts-and-maps/xcom

https://www.theverge.com/2017/7/10/15949862/elon-musk-x-com-paypal-tesla-spacex-domain-name

(Try and find links to publications that haven't been too heavily scrubbed by EM and his handlers at WEF)