I agree that the monero design keeps it secure, however interaction and conversions to fiat, one way or another, makes it exposed

And ppl have to be aware of it and secure every single step on a way out...

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That's got nothing to do with Monero in particular.

It part of ecosystem with multiple steps that has to be secured

like everything else.

b for some reason you called out monero in particular.

there's no specific reason monero is more of an opsec concern. quite the opposite.

Very true, just want to raise awareness of other steps that can lead to unwanted consequences