Even if YOU are immune today, MiCA does one key thing:
It turns the 99 % who don’t know or don’t want to use privacy tools into involuntary informants against you, because every chain still starts with them (KYC fiat → BTC → you).
MiCA isn’t just “a tax on stupidity.”
It’s a deliberate attempt to kill the option of private transactions for everyone, including you, in the long run.
So no, it’s not “the fault of naive users.”
It’s the atack of a system that wants to turn Bitcoin’s voluntary transparency into mandatory surveillance for all.
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Oh, I realize that fully.
My gripe is with all the moonbois who ignored this obvious issue for almost two decades, even saying to regulators (I know of several cases personally) that they shouldn't be worried about Bitcoin because it's all traceable.