Its important to note "WeChat" was successful in China, which is not a democracy. State was already monitoring citizens every activity. Public knew about it. This is not a big deal for the public to combine real identity with sharing opinions. Anyway the are restricted by the govt.

This is not the case in democratic countries. Most people treat financial transactions and public opinion as separate entities. Commenting on amazon is way different than commenting on twitter. Integrating twitter with banking account is not going to be successful.