Personally, I’m in favor of free market capitalism and light brush regulation, where regulator does not get involved in too many things apart from preventing abuse of monopoly, providing redressal mechanisms against deficiency in service / breach of contract, etc.
I’m all for leaving price, product features, availability and other aspects of business to market forces. In my experience, this drives different suppliers to come up with different products focusing on solving different consumer pain areas at different price points.
Historically, capitalism has resulted in high growth, vibrant competition and wider choice for consumers. It has its limitations but, as someone said, it’s the worst form of governance except for its alternatives.
Transferability of wallet balance is clearly a product feature. It should be left to market forces. I’m not in favor of introducing a legal mandate to regulate this feature.