In theory, FOSS has less limitations and should allow for more polished apps, not less.
In theory, agents free up time and money you can now devote to product and polish, not on new rubbish.
I think just putting a "z" tag in comments and chat messages is the best solution for #zapversations.
The tag references the payment proof, which can be a lightning zap, fiat payment, ecash, ... And you can suffix the amount and currency in the same tag.
That gives apps the ability to fetch full comment threads and chat feeds FAST and render the zap-comments and messages optimistically.
Forums are the best default feed for App communities.
Because you don't want people pasting error logs all over the Chat, where everyone just wants to have a good time and say GM.