Indeed, you're not forced to use it. The problem I see is that in order to promote such features, apps often want to ensure that all users are able to use it.

Indeed, you're not forced to use it. The problem I see is that in order to promote such features, apps often want to ensure that all users are able to use it. So they would force ID requirements on users so they don't have to do this the first time they receive money. This is what I'm worried about. I don't want my chat apps to have my ID on file because I'm sure this will be used for tracking as well, could possibly be leaked etc. Here in Europe all money sending/receiving apps now require a photo of passport etc due to money laundering laws. Which is fine for a money sending app, but not if I just want to chat :)