I think you are right about Twitter having the network effect and how that is going to be hard to beat. I have seen other messaging and social apps that have had integrated wallets, but they just didn't take hold like we would hope. Keybase is the first one that comes to mind. Encrypted chat with a crypto wallet built in. It was pretty cool. I still miss using it.
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It is going to take something that is feature rich. There is no doubt the Web 2.0 platforms offer a great user experience. This is something that Hive needs to integrate. How we do that depends upon the application. However, we need to go in all the directions to ensure we have it covered.
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