BTC lack of privacy makes its close to useless as a replacement for fiat.  I find it incredible that after a decade none of the BTC maximalists have anything to say about the lack of privacy/anonymity of bitcoin.  Devs are doing nothing to address it.  Even if you are prepared to jump through hoops ( coin join or whatever) to protect your privacy it remains pretty weak and its difficult, tedious and painful to even bother, you need to be a security expert also. 

 Zaps are even less private unless you run your own node which helps A LITTLE, and who the hell can be bothered with that!