Ok thanks. My framework is the following. I want to destroy the Fiat cabal. Although I like the privacy of Monero, i have come to the realisation that only Bitcoin stands a chance of achieving this, so my efforts are best suited to making bitcoin as ready to fight the cabal as possible. For that, I believe bitcoin will need more privacy, and more scalability. The original comment I made was a proposal to make privacy by default (by making PSBT-enabled collaborative transactions as the default).

So now you see why i don't think the solution is to just use Monero instead. My goal is to build on bitcoin so that it's ready for the fight when it comes.

Lightning: yeah I know about the security concerns, and also that they are being worked on for continual improvement. The way forward is to sharpen this tool, in my opinion. And I never said it was already perfectly scalable, but it can operate at a scale much higher than current capacity