i believe the issue is the device being an unlocked device, now one purchsased from Tmobile. It seems Tmobile disabled the Chat feature on the unlocked devices but only has it active on the carrier devices. I am in the same boat with not CHAT features on Tmobile when I had them on the Sprint network (S21 Ultra). I purchased 2 S22s for my kids from Tmobile directly and they both came with the CHAT feature in the Samsung Messages. That seems a bit of a low service approach for Tmobile to disable this on unlocked devices.
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