I really enjoy these chance interactions.
I will point out that there are many really good social networks that don’t also have the same problems as Facebook. Things like instant messaging groups, subreddits, Discord servers, phone calls, Imgur, etc. Every medium and platform has its drawbacks but I find that using multiple networks that aren’t FB has been a huge boon to the quality and quantity of meaningful experiences I’ve had.
My credit card works great - I still have a backup card with a separate bank from the primary one.
Be careful conflating "I don't do X" with "no one does X".
If you were, you'd have his imessage / whatsapp. Facebook is a 3rd tier form of communication for a reason.
FB Messenger is just fine. It has the same features as iMessage and WhatsApp, and plenty of folks use it as primary comms.