I hate how right you are. I do my best to stay out of the Facebook ecosystem (although I am sure they have an extensive profile of my web activities). I am surprised they have not tried to make their own non-crypto financial system. Could embed it into restaurant storefronts and the marketplace.
Meta does not have the support of legislators. The EU would regulate any service that would even aspire to become a Western WeChat way before they have any chance to succeed.