You don't need anything else if you are OK with the state & big corps to monitor all of your transactions.
Cryptocurrency have not been created to make you rich, it has been created to make techno-totalitarian societies impossible by giving the citizens ways to fight back. And Monero is taking it where Bitcoin left it.
Monero can't go to zero unless another, better peer to peer cash option appears. That's a demand Bitcoin is completely unable to meet right now, and it's going to remain that way for the forseeable future.