This is because gyroscopic forces are not significant except at high speed, and most of the forces relevant to cycling and which direction the bicycle goes are generated between the front tire and road surface. Turning the handlebars to change direction is also only relevant at low speed for the same reason.
I can't really see how a craptocurrency attached to a messenger provides any sort of pseudonymity. If I can send money to you, I can later identify you in a ledger, which simply means I need to find some reason to converse with you and it's game over. If the ledger isn't public, you're back under corporate or Government control.
Email by its very nature is asynchronous and was standardized in a time when "always-on" didn't exist, and it is provider-agnostic because of the standard protocol.
Email's maturity by the time that businesses all came online pretty much guaranteed it as the standard for business communication, and personal use was just a small step from there.
Expecting 20s RTT for email is a modern phenomenon, when you could expect replies on the timescale of days before.
The closest attempt to a standard for IM is probably XMPP, which providers have pretty much all ignored in favour of lock-in to their respective platforms.