in a few months Monero will have FCMPs++ which not only will get rid of Monero's weakest link, decoys, and will make its privacy perfect, it will also enable TX chaining, thus enabling lightning-like payment channel networks. Will this sound, fungible, uncensorable money + lightning fast payments network become the perfect checking account?

And thanks to open networks like Haveno and Nostr we don't need to worry about middlemen's regulatory pushback, we can just p2p fiat money into serious money hehe