It's a good payment option but it's also a good store of value. Note, I didn't say speculative investment. If you want that, go to Bitcoin or beany babies.

A store of value holds its price over time and Monero does that. It especially does if you add in the ridiculous taxes that do not apply to currencies but apply to crypto currencies that are used as currencies (e.g. you can convert from CAD to USD and not pay extra taxes if you use USD even if USD goes up. You also don't need to keep track of each and every change.

And if "digital property/unproductive wealth" are created in your jurisdiction, that tax would not apply to USD on hand but would apply to crypto). I'm not a "taxation is theft" guy, but I do think you that fair is fair and XMR allows savings to be fair.

In addition, if I'm caught on the "wrong" side of another Canadian Trucker's protest styled even, XMR is an excellent store of value because 100% of the money in your back account or KYCed open block chain crypto can be locked but 0% of XMR can be. There can be no store of value if the value can be locked.