You're doing unnecessary additional swaps.
You're assuming that you would necessarily go back to Bitcoin after swapping to Monero.
Why would you swap back when you can just have a small stash of Monero you keep for spending directly in the short-medium term?
Or if you're receiving Monero as payments, it is just one swap away from hodling as Bitcoin. No need for lightning privacy gymnastics or trusting custodians.
I dont trust custodians with lightning, it works well without custodians. Also its just better then monero (instant finality of payments, possibility to have complex structure for invoice that can be "locked" for some time, like the one used in robosats for trading without escrows, simply dont need to attend 20 minutes to trade the utxo like on monero, security about being able to obtain bitcoin onchain much higher) and it will become better. Its a payement layer that can scale its features and possibility in a very fast and smart way, without caring of "the blockchain".
Its also really able to scale, with new nodes and liquidity that comes are net-positive and add benefits for all. On the blockchain every new person that arrive to transact is a scalability problem, and monero is even worse than bitcoin because dont disincentivize txs raising the fees, but let people spam the utxo set until monero become unrunnable and txs impossible to validate.
