Curious about your mention of monero…
My view is that it addresses many of the shortcomings of btc, but at the expense of complexity and, as so, more need for learning (your time is limited so it would impact the other spheres of your life) or trusting (not an option).
But even if you put the time to it, ultimately, it will face the same problem of being vulnerable to social attacks, bad choices, and capture, if it gets enough adoption.
You have to fix “capturability”, not technology.
