Suppose that you, Joe, are a guy who has a bar, and that I'm a plumber...Mary comes and drinks a coffee in your bar, and pays you with her coins
You're describing blockchain transparency. The very reason bitcoin has value as an unbacked monetary asset.
If an asset has value, people will soon find a way to keep their ownership of it private. But building obscurity into the asset itself amounts to signing it a slow death warrant since "privacy" was never a monetary property in its own right.
Encrypted messaging systems (which is what Monero is) are
useful for hiding stuff. But they are not 'the future of money'.
