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 What? Aren't layers literally all Bitcoiners talk about? 

You already do this with lightning, ecash, liquid, etc. Those all introduce friction.

My on-chain address doesnt work if you want to pay me with any of those. 
 True, that all of those add friction like I said, but all of them are compatible through LN, the layer swap is onchain to LN and there are many compatible tools for it, many LN wallets support onchain and LN, so you only need one wallet. With monero in theory, you would save in BTC, have some monero stack to spend or move to btc to save, and to spend, if people don't accept monero, you have to still swap for btc before spending.  
 No lol nothing forces me to give money to anyone

I don't even file taxes, let alone feel pressured to share with every wallet address I see 
 To be clear on what my last reply means: having BTC as your only payment method means you're probably not getting my money

If someone is wasting a lot of the money they receive on bitcoin transaction fees by having no other wallet address, they clearly have more than enough money & don't need mine  
 You still have to swap for the other so it's effectively the same thing. That's why things like boltz.exchange exist.

There are multi-coin wallets like Cake and Stack that support both Bitcoin and Monero. Still fail to see any real difference.