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Banks could simply come together and develop an open banking standard for customers. Would probably save them a lot of money too, since the development of their stupid apps presumably costs them a lot.

Why OTR? Even XMPP clients have mostly moved on now in favor of OMEMO.

Imagine someone cares more about the color of their bubble than proper end-to-end encryption.

RCS limits attaments to 100mb

Does it say so in the specification or is that the limit of a single RCS provider? How does sending files even work in RCS?

The same right the EU has to enforce standards in money, electrical plugs, data protection or food safety. Does your country not have laws on what products can and cannot be sold within its borders?

There are lots of high-level standards for communication. You might have heard of email, its protocols are also defined by the IETF. For instant messaging it is XMPP.

This doesn’t make any sense whatsoever. Matrix has E2EE while using a “non-standard” protocol.

You can only encrypt messages when the recipient happens to be a Matrix user too. If they use another protocol it's not possible. That's why we need standards and that's why building on existing internet standards is important as opposed to everyone cooking up their own IM protocol like Matrix does.

Every new project that is created increases fragmentation. So does Revolt, Discord, Skype, WhatsApp, Signal, Telegram, etc. These all use “non-standard” protocols.

Yes, they all increase fragmentation as they do not interoperate with one another. A standard would solve this problem.

Lot's of standards are written by people who work at large corporations. Also multiple experts from multiple corporations work together. Wasn't the original author of the XMPP protocol was hired after the fact by Cisco, precisely because he wrote XMPP and the first server implementation?

The IETF still has a much better track record than any single corporation or VC funded start-up.

How do those governments have access to this data? Is it not TLS encrypted?

The organization is called the IETF. The XMPP core is defined in RFC 6120 and RFC 6121 like DNS, HTTP, etc. are defined in RFCs.

Yes, but compatibility with existing internet standards is also important. For example you can't have end-to-end encryption if you use a non-standard protocol. VC startups like Matrix only increase fragmentation of the ecosystem.

Matrix isn't proprietary, but effectively controlled by a single VC funded startup. We don't need a bloated re-invention of existing internet standards anyways. They should just make a better XMPP client.