Or you keep using Bitcoin as your savings account and Monero as your spending account.

A fork will split Bitcoin into compliant BlackRock coin and outlawed Bitcoin. But at that point Monero already has much more credibility.

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I don't think of such a fork as a single one-time thing that splits the network.

What if there was a periodic fork that gave CT coins. The main value would still be in holding, but it would allow CT all around. kind of like a dividend. idk just spitballing.

Monero uses not just CT to get superior privacy guarantees over "CT BTC".

Like Dandelion for IP obfuscation, stealth addressee and soon "Full chain membership proofs".