Why not though? Assuming no mixing of any type, a merchant or any recipient getting paid with a 100M sats UTXO for an amount of 100K sats would learn that I have at least 100M sats.
Maybe you're thinking along different lines?
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Sure that's true. But rather than splitting your tx you could instead just pay them with lightning or use boltz to do a swap from your lightning or liquid wallet to pay the merchant on chain from an atomic swap.
Want privacy? Keep a handful of sats on L2.