It’s not your net worth. It’s just one utxo. And it’s pseudonymous so no one knows it belongs to you. Don’t reuse addresses.
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Yes, and a regular person is never going to make the mistake of transferring money from their savings account to something that has KYC on them. It's just too easy to dox yourself on total accident then to keep Bitcoin private. You as a privacy person on Bitcoin have to think, did I use that address? Does this address I'm going to send to have any way of linking to me with KYC? Are these funds tainted? A Monero user just presses send and doesn't have to worry about that.