That is ok. XMR still better than fiat. Inflation is small and predictable. But maybe not as good as BTC in that criteria.
Monero is better at being private p2p digital cash. Just treat as cash. Don't keep savings in it if you are concerned.
Discussion
not just that tbh.
i dont have a significant reason or way to use it
[Fiat -> Monero]
-LocalMonero
-Kraken (KYC)***
[Fiat -> BTC]
-Bisq
-Peach Bitcoin
-Noones
-Bull Bitcoin (KYC under certain conditions)***
-Vexl
-Azteco Vouchers
[BTC/altcoins -> Monero]
-Trocador (privacy-focused exchange aggregator)
-Unstoppable Swap (atomic swap)
-KYCNotMe (more exchanges)
[Spend Monero] (products and digital services)
-Monerica (massive directory)
-Monero Market
-KYCNotMe (digital services)
...and Darknet Markets!
[Monero -> Gift Cards]
-Coincards
-Coinsbee
localmonero.co
kraken.com
bisq.network
peachbitcoin.com
noones.com
bullbitcoin.com
vexl.it
help.azte.co/category/6-buy-a-voucher
trocador.app
unstoppableswap.net
kycnot.me
monerica.com
moneromarket.io
kycnot.me/services
torproject.org
coincards.com
coinsbee.com
yeah, and do what exactly with the monero?
Buy things...like you do with any money. Except it isn't controlled and surveilled. Just gave you a massive directory.
[Spend Monero directly]
monerica.com
moneromarket.io
kycnot.me/services
torproject.org
[Monero -> Gift Cards for everything else]
coincards.com
coinsbee.com