during the ICO era i used to read 2-3 whitepapers per day. It usually was all about decentralization and "how we are going to change the world", and then right after the sale it will be like "well the world is not ready and blockchain is not there yet so we are starting with centralization" ( in the few cases the product was not fraud). now, since all the fiat is coming in without a need for an ICO it looks like facebook is not even trying to hide their true intents. They are just saying it to my face, "We are trying to increase your dependency in our products and on the way creating a new financial device for the big guys to earn more money on your behalf". I truly hope this initiative will get blocked by the people who FB think they can fool again.