Idk how they could scan e2e encrypted messages

This is about introducing legislation to force messengers to scan / give them access to your chats on your device before encryption / after decryption. Afaik, Signal have already announced they would “pull out of Europe” in this case, however that would look.

Which you can’t really escape anyway since one of those two is very likely the provider for your bank’s debit card.

That’s like piling all your paperwork on your office desk in a giant tower in the order they came in and arguing that’s just as good as sorting them into files and putting them in the cabinet.