The value of it to me is that as money has got more digital, I feel that there is an incredible amount of tracking that previously did not exist in a primarily cash based society. It really isn't my bank or the government's business what I'm buying, or that I went to a casino, or that I went into an adult shop, or <insert sensitive purchase for your situation here>. Using cash more is another solution, but that's not feasible for most online services, and not all businesses accept cash any more. Maybe this is all paranoia, but you see data breaches all the time, and you see how so many industries mine data (and there really isn't much better data for advertising than your entire purchase history).

This is why I don't particularly support most cryptocurrencies, as they don't solve these issues and feel more like a horrific version of the stock market. Monero on the other hand does pretty decisively solve these issues, I can give you an address to send money to without giving out any other information, I can send money to you without my purchase history being public (unlike bitcoin), the transaction fees are very low (unlike bitcoin), the block time is quite low. It does feel like the perfect system for daily purchases if it would be embraced, which I am aware it won't be. The issue of no recourse for keys being compromised could be slightly mitigated by putting only limited amounts of money in the wallet at a time, although I do know this isn't ideal (but it's probably a cost for having actual privacy). I really don't get most cryptocurrencies though, bitcoin was a good POC but it's been surpassed in every way by now.

I just feel like I'm being forced to give up my privacy, and Monero (or similar) is a potential solution to this that doesn't give up the convenience of digital currency. I guess though I'm seeing it from the perspective of a daily payment system, rather than a savings system (I'd pretty much always prefer my savings in an actual bank with the protections therein).