While Linden Lab, the company behind Second Life, made many mistakes over the years, one thing they managed to nail down was buying virtual stuff in-world. This helps explain why they're still around and still making a profit.

Meta's biggest problem, I feel, is that they started by buying up Oculus. Those headsets are now literal boat anchors on their metaverse project because, as you discovered, financial stuff, in particular, won't work when your device is strapped to your face.