Thank you but I am well aware that I cannot use for business or banking transactions. But, I have run across a lot of folks that are unaware of WhatsApp to connect with family & friends internationally without paying cell.
Use WhatsApp to make international calls as long as you have wifi it is free. I only pay for calls calling the US if it is an emergency situation. (But I am not working remotely, fully retired)
There are a lot of morons these days that become ahole keyboard bullies. We all see them. I usually try to ignore because that is their only communication with other folks!