The extra step isn’t robustness, it’s friction. Payments should be fire and forget, not a back and forth process. Monero works because it just sends, no hassle.
And Zcash? Please. Over 95 percent of its transactions aren’t shielded. What good is stronger privacy if almost nobody uses it? Monero may have only four effective decoys, but every single transaction is private by default. A privacy coin that relies on opt in privacy isn’t a privacy coin, it’s a compliance coin.