Zk actually encrypts data, monero uses obfuscation. Even bumping up to 100 decoys is not really private. But i do love monero as it is actually spent/ used as digital cash

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Not completely true.

Amounts and addresses are encrypted on Monero. Completely hidden using CT and Stealth Addresses.

Monero only uses obfuscation for sender privacy via ring sigs.

Full-chain membership proofs will pretty much make this a non issue.