Ok, I see what you're arguing. I disagree, and feel you've chosen that standard completely arbitrarily in an attempt to support your chosen cryptocurrency. You've randomly chosen an aspect of Bitcoin that Monero doesn't have and use that as your argument.  It makes as much sense as saying that Euros can't be money because they lack features specific to US Dollars. They aren't green, and they don't have pictures of US presidents on them, so they aren't money. The Dollar preceded the Euro, it's always been done this way, so Euros can't work.

You've made no argument as to why Monero's approach would preclude its use as a medium of exchange. There is literally nothing about the fact that Monero balances can't be viewed without private information that would lead to a lack of confidence in Monero. And then you arbitrarily exempt bank accounts from your standard? Please come back with an argument that makes sense.