> we have lightning payments but there is no privacy

I can't agree with a statement like "lightning payments have no privacy." Lightning provides a pretty strong baseline for privacy. It's not perfect (it's not even good, absolutely speaking), but it's not nothing, and if used carefully (e.g. if you run your own lightning node on tor and learn how to manage channels) I think it's better than alternative solutions such as monero. Still, lots of work to do, and I'm glad it's being done.