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Germans and abuse of labour workforce :-)? I thought their motto "work makes (you) free" was clear since the beginning

For the same reason why women can't stay out of male-only spaces. Women have been demonizing male-only spaces for decades. If male-only spaces are bad, female-only spaces are bad... I see no other 'equal law for all genders' reasonable outcome

I'm ok as long as they add income & debts filters with real validation of this info :-)

It depends on the country but not in general. F.e. in Poland it's illegal to play poker with cash with your friends but in Czech Republic it is not and LEGAL

Technically no. Oral contract is legally binding contract too. Especially if you have witnesses ( I presume 3+ is enough )

They say so. They always say so :-)

It sounds illegal because if one user opt ins for wire tapping, she / he needs to inform other people on the line about it is being wire tapped.

Any debt or due you owe needs to be paid back unless you were forced physically to sign the contract. I'm just waiting for advocates of debts forgiveness. If you don't like variable interest rates, just ask for the fixed one... They're more expensive but they're fixed

It's already there - it's called hyphanet ( old freenet ). It works really well removing the need being always online but it's not popular because of no mobile clients

Web of trust - did you hear? https://www.gnupg.org/gph/en/manual/x547.html

You can use gpg signatures

Arguing with people complaining that everything is capitalism fault is pointless. Especially with people having definition "not their perfect ideal communism" equals capitalism. It's just waste of my time. I'm done with politics and I know many communities where politics mean an immediate ban