this post was submitted on 13 May 2026
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You're ignoring the fact that you have to:
Crypto is many things, but it isn't exactly as friendly as a credit card provided by your bank. Or PayPal, for that matter.
It may not be quite as friendly, but PayPal or your bank can also freeze your account at any time and nobody can freeze your Monero address at any time for any reason.
So you can pick sovereignty or convenience. With Monero you have full sovereignty, but with the banking system you have a lot more convenience.
Been a sec I used XMR, but getting a secure wallet was simply built into the desktop gui wallet (which is the default recommended option on getmonero.org). While getting that wallet it also tells you to backup the seed phase (preferably by printing it iirc). It has a simple mode especially for non-tech users.
So installing the GUI wallet takes care of 3/4 points, then to fund it you just find any reputable crypto exchange that supports sending Monero in your region (I used kraken before in the eu). By design in Monero the platform (which does have to do KYC probably) doesn't know anything about where they sent the money. Transactions are not traceable in Monero.
so why should anyone have any faith in a crypto exchange not doing the exact same shit as paypal? if they know their customers and if they can plainly see that one of their customers accepts monero for something they don't like, they don't have to prove that any money has gone to them, they could simply lock them out of any future exchanges just by way of pointing out that they advertise a monero address (or whatever) even if they can't link it back to them
That's why you move the XMR to your wallet first, and do not send it directly. The crypto exchange doesn't know anything about where you're sending the money if you do that.
They can't see anything about Monero by design. There's a leaked cia/fbi/? presentation out there of them working to trace Monero for a single purchase, on an older version of the protocol.