What you're saying about Monero isn't how it functions because regulators haven't cracked down on Monero. If they regulated XMR they wouldn't be able to decrypt it so the most they'll achieve is ban it from regulated exchanges. When ppl access crypto addresses on blockchains they'll use mixers to get privacy so Monero's a choice. Bitcoin doesn't hide your trades but XMR's a privacy coin so it's completely anonymous.