I understand what you saying it is indeed scam. But my question can I use Signal just to chat with my friends/family and ignore everything else and live my life

I understand what you saying it is indeed scam. But my question can I use Signal just to chat with my friends/family and ignore everything else and live my life peacefully? In other words, are they forcing every user to use this "MOB" to transfer money for something? If not, then we can ignore them :)