As a person who has been buying my groceries with Monero for almost a year, I must dispute that. Is Monero less stable than the US dollar, sure. However, compared to a lot of crypto Monero is quite stable because it has real world use and extremely low transaction fees. monero is also quite stable when compared to (admittidly bad) fiat currencies such as the argentenian peso.

The reasons why it isn't suitable to be used as a currency are exactly what I listed, and you failed to interrogate ...

My original point I meant to make was just that your first argument, XMR = bad because NFTs/FTX/Luna was either that you didn't understand the differences of them, or that you did and were presenting a disingenuous argument.

The other points are more of a come to your own conclusions type of deal. But, if we're on the topic:

Volatility? I'd point out that, yes, it's volital like every other thing that's new. It'll figure out a stable price (what price that'll be, or if it'll be 0, I can't say). New tech and volital speculative markets and all that, churning out crap and jems alike.

Anonymity, consumer protections, & no transaction reverses? Again, cash, see what my take on it is above. + If tracking serial numbers stopped crime they'd be doing that already.

Energy useage? Yup, there's a lot, and that's a good criticism. But as these things grow there's work towards more efficient models. Also, it's not like everything else (from mining gold to making a PlayStation) uses energy in an often inefficient way.

No use as a currency? There's already a growing amount of using it as a currency. A lot of people are talking about the "Monero circular economy" with the idea being a community both earning and spending Monero amongst themselves. There's also a surprisingly large amount of merchants accepting Monero compared to a few years ago, and a large number of crypto services (including Monero) that offer a middleman type service to allow you to spend XMR and have a business get fiat.

Addendum: to elaborate on eccommerce a bit more, last I checked it's a good idea to buy from trusted platforms. What's to stop food I buy from being contaminated with lead? Buying that 80 cent box of pankake mix from wish is just probably a bad idea. So is entering your credit card details and social security number on totallynotascam(dot)legit that you got spam emails about.

Beyond that, though, it's not like Monero existing makes credit cards not exist. Any danger to the user isn't really an argument against something existing if the user chooses to use it.