> That's the whole point.

What is? Not being able to use it for most things? Then how is it a private bank? How is it different from storing money in a safe in your home? Which, by the way, is more useful as you can use it for more things.

> It's clearly not for you since you can't even see the actual point.

That’s a cop-out, and a circular reasoning fallacy. Instead of making a point of why something is useful, you’re dismissing any questions or disagreements as “you don’t get it”. If someone invents a toilet which instead of flushing sends your dejects all over the bathroom, that’s not something people “don’t see the point of”, it’s a bad product. If Monero has a point that we’re missing and you want to defend it, explain what it is.

> You can use the banks, like everyone and let them profile (and sell your data), track and own your whole life.

Ah, yes, fear-mongering and assumptions with just a dash of false dichotomy, the next step in the non-argument. The only options aren’t “don’t use banks at all and be completely private” or “sign up for a bank and let them spy on you in your underwear”. There’s a spectrum. You can buy significantly more things with a bank account than with Monero. In many countries, Monero is the same as nothing. At best you could use it to trade for a regular currency (if you’re lucky), meaning you’re back at square one but with extra steps.