Do you write checks from your savings account?

Monero's current inflation rate is lower than that of bitcoin. Check for yourself if you don't believe me.

The scaling challenges that Bitcoin faces, Monero mostly resolves. I say mostly because I'm a firm believer that in order to completely solve them you need the same security guarantees that bitcoin and Monero offer without the necessity to save all historical data. The dynamic block size though does a great deal to alleviate it.

People actually spend Monero. Network effects in the long term are in it's favor if your goal is peer to peer digital cash.