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> This is false.
No, you're just uneducated on the matter, private transactions exist bu using zero knowledge proofs.
https://github.com/EYBlockchain/nightfall_3
> Heck, even Venmo has protections against that.
One is an open system where public transactions need much more sophisticated cryptography to be private while remaining auditable. The other is a proprietary closed system. They are not the same.
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However Monero has shortcomings, the main one being its auditability.
Some Monero developers have created a new project which tries to solve those issues, and add zero proof knowledge to the mix: https://pirate.black
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The lightning network is not a good example of an L2, it's extremely basic state channels and won't scale because of routing / liquidity issues.
Look into Optimism and Arbitrum for current technology, or zkSync, Starknet, Polygon zkEVM for next gen L2's coming soon. There's a big list of all the current L2's and their tradeoffs at https://l2beat.com
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