Even though this may be just happening for Western, in China they have they're own everything app long time ago with WeChat and its different "features" or spaces within the app replacing WhatsApp, Instagram, TikTok, etc while also allowing users to send and receive money.
With the advent of CBDC we will see the next step (which China already tested) programming money to be expendable only in certain amounts to cover (govern)specified expenses. They've also included a Due Date so no more Savings.
In the meantime, frozen rat meat is worth €35 on supermarkes, to the shock of some Eastern Europeans.
Self Custody is gonna be crucial in the upcoming stages of humanity.