So... Not money?
What is missing is a way to earn interest on Bitcoin. Or even better, on #monero
Discussion
Go ahead and try I guess.. 🤷♂️
Interest without giving up ownership? Else it opens up for fractional reserve as already seen with Monero.
Smart contracts. You give up ownership but get a contract which is equivalent to a bond.
This bond is tied to a wallet, so as monero goes in, it is redistributed to the bond holders.
This is not a proposal, just an idea.