To balance this view.
Have been waiting for the app to launch in France for a long time (very long time) and considering the current market landscape in France the app will still be in demand as it is (the app is already better than any single bank offering brokerage services in terms of pricing and the app simplicity).
There are already apps trying to make a universal app for all the markets at the same time (best example is Revolut)
At this point in time it seems that a better value proposition is to tailor the app for the largest markets in the EU with the respective tax-wrapped accounts for each of the markets (PEA in France e.g.).
The point raised is valid and indeed the product offering should still be enticing to people without access to tax wrapped accounts in the EU but would reiterate that tax wrapped accounts should not be de-prioritized.