Monero as it exists today is not the ultimate future of money. The ultimate future of money is 100% obfuscated programmable mimblewimble without transaction kernels. It won't be mimblewimble, the cryptography just doesn't work for 100% obfuscation or programmability without kernels, but it's something like that in the sense that there is only the UTXO set, no history storage required.

But, Monero adopts whatever makes it better at it's job. So, it's highly likely if what I've described becomes real, Monero will become that because that would be the holy grail. Do you think Bitcoin would become that? They don't want to change a single thing ever.