An important limit of monero is its lack of scalability and store of value. Its rules to prevent ASIC keep it semi centralized. For a privacy token it may be useful for the edge cases where privacy is important, but cash isnt suitable. For swap in, it may be more practical for people to use Liquid which has a 1:1 ratio pegged in/out from sats and support for confidential transactions. Its important to consider ones needs now, and in the future and tradeoffs involved in any exchange.