Problem is that as the state tightens it's grip on nonKYC p2p usage it will bifurcate the UTXO pool creating more "tainted" coins that people can't use on exchanges. We see this already with whirlpool coinjoins, you can't sell them on exchanges without shotgun KYC or at all sometimes. That also means any merchant who is using a crypto to fiat payment processor won't accept them without shotgun KYC. It's clear with the Samurai wallet prosecution that they're coming for all self-custodial, private Bitcoin usage.

Lightning alleviates this a lot but has terrible reliability and UX if setting up in a private self custodial manner. So much so that almost everyone uses it custodially which only creates problems as I've shown before.

Your holdings are in danger, if the regulatory environment changes such that your non-KYC stack cannot be sold in exchanges at all, even with good accounting and shotgun KYC, you'll be left with a bag with no buyer. You could sell for cash on Bisq or trade for Monero on Retoswap, but it's not unlikely that p2p liquidity will dry up at that point since people trade Monero for Bitcoin mainly to cash out large amounts of Bitcoin on exchanges.