AshleeVance biography was unauthorised, but he researched enough by talking to people Elon met along the way. It is far more accurate than a random conspiracy theory made about an Emerald mine that no one can seem to find details about that you believe in and we are a cult?
"The easier you make it for people to get money out of PayPal, less they'll want to do it"
- ElonMusk on PayPal Debit Cards in "ElonMusk by AshleeVance"
Pretty much summarises the reason for success of UPI against Wallets