privacy, trustlessness, verifiability. pick two

You can't have all three in a single system. It's impossible due fundamental limitations of information theory. You would understand this if you actually tried to build the system you have described.

The best design is a layered stack that makes different tradeoffs at different layers. Let users freely move value between the layers and you have just empowered them to control their own privacy and sovereignty.

This is the way.

Blind dogma is not the way.

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Yup. I’m not in it for the tech. I’m in it for the private payments and private communications.

Well said. This is the way nature does it. We are bound by that system, nothing wrong with it. Each layer provides space and opportunity for growth, timing based on when it's right for that person. That's where the value lies.