Many such cases.

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I’m not denying it. It all comes down to trade offs. I understand the use case for XMR and in some spends for some people is probably a better option if you want complete anonymity. Bitcoin is superior in every other way. All money/commodities have different risks XMR has it own risks so does BTC, cash, gold, etc. I wouldn’t store my net worth in XMR. If I really needed it I could swap for it in a few mins. No need to hold it.