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What exactly are you missing that i.e. PhoenixWallet or Electrum is providing? The only thing missing is merchant adoption - but bitcoin is far ahead monero in this field.

Monero has utterly failed in merchant adoption. If you go to something like cryptwerk, which is what getmonero themselves recommends as a vendor list, It has about 1/2 the vendors of even the roughly same market cap coin Litecoin.

Well that's because it's illegal in most countries, and the reason it's illegal are the same reasons it's a good currency. States can't tolerate competition.

Still a global blockchain though with the associated throughput limits. You can't buy cereal with monero because you do that too often.

Where I live there is only Monero as serious cryptocurrency to use between people.

Wouldn't risk sending large transactions where everything is visible to others when compared to LTC or any other non-private virtual coins.

I have used LN quite a lot for the last 3-4 years or so. Seems to work good enough for quite many use cases.

It's very usable. It's just not the PoS some expected.