I understand your pov, but assuming that this correct, given the level of privacy it offers isnt that a worthy trade off for spending not saving?
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I've actually heard stories of people/states defeating Monero's privacy and uncovering users. No way to verify, because it's opaque. Kinda like buying a random brown bag from a homeless person.
And money that isn't a good store of value will fail as money. That's a big part of its job. If you have to exchange for each use, that often destroys privacy.