Anyone who accepts Bitcoin runs into the problem where others can know their balance by looking up the address (and thus could be at risk for theft/mugging).
If people want to keep their balances private and not share their transaction history (or later transactions), they should use a coin that's private by default such as Monero.
Additionally, Monero has a dynamic blocksize, so as usage increases it won't experience the transaction backlog that Bitcoin faces.
You didnt say it is not yet in a tagged release, just mentioned no it isnt subadress but multisig, ehich tells me you had no idea
Either way, it doesnt matter.
I am kind of confused with the block size thing. Sure, increasing the size means more transactions can be added into the problem. Bu, as far as I know bigger block size has it's own share of problems - block propagation is slower which can cause double spending and frequent orphans means the blockchain has to keep re-organising frequently too.