this is the new cult of monero narrative now

"but we need to be able to pay of the value of an average car like maybe once a year, but muh monero" lol

payments that size are usually for stuff like a whole car or a small piece of land

everything else can be moved around in small amounts

and you can use tor and only ever make spends or give addresses to send to via tor

you have to do that anyway even with monero, even if there is obfuscation about the payment when it appears on chain

the use case just doesn't exist for monero, and you'll eventually figure that out when it goes to zero 

 I said this amount as an example, but it's also true for 0.01 btc and it's not an incredibly uncommon amount. 

What i mean is that lightning with its privacy works for microtransactions, for anything other than that you have to go on-chain with some tradeoff on privacy. 
With monero, whether it's a micro or large transaction, privacy is on by default on-chain.