Maybe I did not state my orinignal question correctly.

What are the pros of Monero, and what are the cons?

https://en.wiktionary.org/wiki/pros_and_cons

Really up to you personally what is a pro and a con. For me this is a starting list. A lot of these are a result of the technical differences as well as I listed the technical differences.

Pros:

1% inflation

no fixed supply (makes it more of a currency than an asset)

privacy by default,

fungibility—every coin is the exact same, no coin history

prevents financial surveillance by corporations,

protects against government abuses,

useful tool for activists, journalists, minorities, useful for domestic abuse survivors,

useful for businesses sending money across borders,

protects against stalkers,

protects against advertisers profiling you,

reduces identity theft,

prevents databreaches of personal info,

pushes forward cryptography,

allows people to purchase drugs (you decide if this is good or bad),

prevents financial censorship,

allows anonymous donations,

low fees,

more decentralized than bitcoin due to RandomX CPU mining,

prevents crypto robbery,

allows you to buy your adult content without anyone knowing.

large developer community iirc 3rd after bitcoin, eth

less volatile than other cryptos

usually most used crypto for payments when accepted at merchants

Cons:

20 minutes to use funds again

hard to aquire

number go up slower

hard to convert back to fiat

hard to convert to fiat

used by "criminals"

lots of nazis like it

used for unethical purposes

All of the pros - minus the inflation - also exist for Bitcoin-over-Lightning. Non of the cons exist for Lightning. Especially no waiting time. In lightning you can spend your received bitcoin after a split-second - no waiting whatsoever.

> no waiting time

apart from waiting for the confirmation, otherwise you're in double spend territory.

what you says applies to bitcoin onchain, but not lightning. Lightning settles instantly.