What about xpubs?
Discussion
you dont have to show people how much money you have when you send
How would you do that? You have to show at least partial balances (amount of Bitcoin not relevant ot the transaction). And they can also see future balances when you inevitably consolidate for other payments.
What about lightning payments from a wallet not holding most of your funds?
Lightning payments offer pretty strong privacy if used correctly. Custodial wallets give you privacy from the general public, but not from the custodial provider. If you are going to use a custodial LN wallet you might as well use ecash. You can still be rugged, but at least you have privacy from both the public and the custodian.
If you care about easy to use non-custodial privacy, with the security a blockchain provides, Monero is better. If not, use ecash.