They don't "have to" use the Chivo app. But people loose out on free money.

That's exactly the point of central banking - technically everyone is free to participate - but it is impossible to isolate yourself from the economy around you!

It's actually the exact same thing as the stimulus checks in the USA. Nobody forced the people to accept the stimulus checks free money. But who says no to free money? And the consequences of increased money supply and inflation are inevitable - whether you participated or not.