An auditor who did not bug his or her eyes out at that and ask some very hard questions would be doing a bad job as an auditor.
It is harsh--but, one, I thought they were legitimately better than this, and two, it's a problem. Keybase wants to be infrastructure, and people have different needs for infrastructure. That's an argument for different tools, not a multi-tool that makes its use in some situations problematic.
Why would anyone install the Keybase app on production servers?
After the user system, they created a network filesystem, which their git system is based upon, and I'm guessing it's also something their team chat system uses too. The entire groups system is also based on their user system.
It looked like they were building out a dependency tree bit by bit.
That's not to say you even have to use a payments feature if it's integrated into the primary Keybase application. You don't have to verify ownership of a domain or register a Bitcoin address, but both of them are options in Keybase right now.