As one example, making "core messaging functionality interoperable". How exactly does that work with end-to-end encryption? I suppose we'd need some sort of open system and protocol for all the tricky key sharing stuff? That would be nice but doesn't seem feasible in 6 months. And how do you know what they're using on the other end? If someone is using an app that doesn't support encryption, and they try to send a message to, say, you on WhatsApp, where you have e2e enabled by default, what happens?
Another one is they can't "limit payment possibilities to their own method". Presumably this means like iPay and Google Pay. Isn't there, again, some hardware security issues in play with that? I don't understand those systems well enough to know for sure, but I thought they were locked down and proprietary in part to protect your financial data.