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> you can add pgp on top of it if you want security

Nobody does, sadly.

Baking it into the protocol like Signal and WhatsApp did means nobody has to want it, they just get it included without having to bolt on any extras.

But what Signal and WhatsApp has is not PGP. Not even close. It turns out security isn't trivial.

It is a cheap substitute. But you should try the cheap substitute: its not half bad and lots of people seem to find it pretty tasty.