Layered approach for privacy is just fancy word salad for opt-in privacy which is known to not work at all and even endanger people through wrong assumptions.

Most humans in the future will not own on-chain UTXOs. It will be layers on top that service the billions of people in the future who will own Bitcoin. Something like CTV can allow them to share their UTXOs collaboratively so they can access lightning channels. For them it will be private by default because their entry was via post Bolt12 Lightning.

It is hard to fight outright lies from idiots to other idiots. I hear ever day that "Lightning doesn't work" in spite of receiving an average of well over 100 transactions a day. Lots of 🐂 💩 FUD too about "hubs" and "banks" and "kyc", mostly by shitcoiners that don't even run a node for their shit coin of choice that is "gonna change the world man". I free pretty certain we are going to get a purchase amount that is non taxable per event in the coming administration, that will do a LOT of good to help things. The reason people don't take bitcoin isn't' fees, it isn't difficulty, it is in the real world it is a tax nightmare. You know who doesn't take bitcoin for what their company sells? MicroStrategy. @Michael Saylor has stated, "accepting it is an accounting nightmare as is paying employees in it". Jack Mallers has a similar view, he even enables you to be paid in BTC if you want via strike but that is because employers don't want to do it. When someone wants bitcoin I pay them with dollars that become bitcoin when I make the payment, not from my stack. It isn't just HODL never SODL, it is if I do this with things other than zaps the accounting is just a fricken mess.

Couldn't agree more. Now add coinjoins to the situation, and your problem grows by another factor.