Transaction fees quickly make this impossible and using lightning and or liquid exposes you to third-party risks in most cases and is not good for the normal average user. The only people who can truly use lightning privately are those who run their own lightning nodes. And even then, it's not an easy task.
So using Bitcoin privately is not easy and there are risks to taking easier routes? No one is denying this. Do you see any long term or short term risks to using Monero?
there could be an inflation bug. The developers work hard to only implement code that has been thoroughly tested, but it is still a possibility, though it is a small possibility. Put it this way. Do I trust Monero or the dollar more? The answer is quite easy. Monero.