> It’s just that consumers don’t really care for the most part, so the cost is basically $0.

It's zero, because most people cannot just not use WhatsApp, M$ Teams, etc. because WhatsApp has a monopoly on their centralized garden.

It's not like a Matrix where I can easily switch clients like I can switch refrigerators.

Even if someone would be able to provide an alternative, Facebook would just "kill" them like Apple did kill Beepers iMessage alternative.