As you “have no time to look deeper into this” we will end the discussion here.
I find the questions you raise very useful, but this tone totally kills the ability to convince anyone.
I tend to think that the ability to simply switch to other servers with a few clicks/taps is a big improvement over the Signal model, where you’re at the mercy of a single company. I agree that until community-run servers emerge (I don’t know the progress on this) and people switch to those, SimpleX-the-company can perform a limited form of statistical surveillance. they can also defederate from any server (I suppose that’s how they would carry out the “disruption” they mention in their terns of service), though that’s something that every server can do.
is there a better architecture that can prevent this? if there is, we should look into that.
do they directly take actual XMR, or do you mean that they sell vouchers to Proxy Store that Proxy Store then resells for XMR? as far as I know, it’s the latter, and there is a huge difference between the two.