XMR is essentially a credit card where it's impossible for anyone to exploit your personal information for any purpose. It's already better than everything out there. The fact it enables some crime is merely a side effect. We need more technology like this. Technology that makes it literally impossible to abuse its users in any way.

It's not like a credit card at all. With my credit card if someone steals my card and runs up a bunch of debt I'm not on the hook for the charges.

With cryptocurrency I'm completely out of luck and my money is gone forever by design.

This is my biggest problem for crypto. For us power users we are fine but for the average joe and my parents I would never let them hold their own keys. You here every day people getting scammed and hacked now imagine if they could lose all their life savings because they where not 100% tech savvy.

That is why custodial services will never disappear.

Bitcoin is about having the option to choose between custodial and permissionless.

My current cards will lend me thousands and thousands on zero notice, to spend pretty much anywhere.

XMR really doesn't feel like it offers that.

You can convert to bitcoin within minutes and withdraw as local Fiat at ATMs in any country, or spend it directly with thousands of online retailers.

You can do this without ever having to identify yourself to advertising firms or anyone else.

I think you’re describing a debit (ie bank) card, not credit card.

Letting people hold interest-bearing dollar equivalents (USDC, DAI) in countries with weak finance infrastructure.

* Buying products/services anonymously, if you don't want to have your personally identifying information, like your credit card details, leaked one day when the website you purchased from is hacked.

* Making payments to parties underserved by banks, whether it's legal cannabis dispensaries, or Wikileaks when the credit card companies blockaded them.

* Triggering financial exchanges, without the friction (and risk of PII theft associated with the identity-based accounts that centralized custodians use) of signing up to a traditional online brokerage or exchange, via crypto transfers to self-executing smart contracts like decentralized exchanges.

Avoiding capital controls and hiding assets too!

I can think of several uses for blockchain, I can't think of any reason to use an established coin for those uses.