just use lightning instead, no need for monero the money printer.

You could aso do what you are suggesting with monero with some other shitcoin that doesnt have a limitless supply cap lol

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Too hard to send large amounts via lightning. Only good for very small amounts (right now), in my experience

thats what on chain is for

But that's not private.

I guess that depends on your definition of “small amounts.” Lightning can handle hundreds and thousands of dollars at a time.