> You missed the point.
You're making a different point now though, you're saying that people will associate it with scams which will hurt adoption. You initially wrote that the UX would be so bad that you'd have to convince users to bear with it anyway.
I don't know how they implemented it on the client side, but it's possible they kept it light, as they've been doing since the beginning. We'll see soon enough.
In terms of reputation, this is a long-term battle. Signal used to be quite unreliable in a lot of aspects, and hurt adoption. Now it's much better, making the migration from other messengers way smoother. If they're able to implement safe, private and convenient payments, that's one feature other messengers won't have to lure users away from signal.