Do you write checks from your savings account?
Monero's current inflation rate is lower than that of bitcoin. Check for yourself if you don't believe me.
The scaling challenges that Bitcoin faces, Monero mostly resolves. I say mostly because I'm a firm believer that in order to completely solve them you need the same security guarantees that bitcoin and Monero offer without the necessity to save all historical data. The dynamic block size though does a great deal to alleviate it.
People actually spend Monero. Network effects in the long term are in it's favor if your goal is peer to peer digital cash.
Bitcoin is not a better long term store of value than Monero. This is actually a much more interesting one than most arguments on this topic so I'll go in depth as to why.
In game theory, there's a problem called tragedy of the commons, and within that concept there's the idea of the "free rider", I don't know how in depth you dive into game theory stuff but you should understand it intimately because all networks involving multiple agents are pure game theory and you can't understand peer to peer networks without it.
Anyway, in Bitcoin, there's a cost to maintaining the network, without which a sat has no value whatsoever. This cost is entirely borne by those transacting in it, ultimately *the recipients* of it (just like how business taxes are borne ultimately by the clients of said business), and in this game, hodlers are free riders. This is, of course, assuming a capped supply of just under 21 million coins. And so, the incentive pressure is for everyone to become hodlers, you get to store your value at the expense of more frequent users, and the logical conclusion of course being that very few people transact and those that do pay for maintaining the security on behalf of those who don't.
The only possible outcome of such a scheme is that nobody transacts, miners don't get paid, they quit, security drops and the network, and therefore your holdings, lose value. This is, of course, entirely a consequence of the hard cap, and Monero on the other hand with it's tail emission means that hodlers pay through debasement of their holdings for their share of the security of the network that gives their coins value, and since it's debasement, they pay in proportion to the value they get from the network. In the long term, Monero is the better store of value counterintuitively precisely due to the tail emission, the thing that is cited as the reason it is inferior as such.
As far as the anonymity set (reducing Monero's privacy because you have a smaller group to hide in) this is not really a problem because of the fixed ring size, but it can be exploited in certain ways, but with full chain membership proofs which are Coming Soon™ to Monero, it will no longer be an issue.
No monero's scaling problems are much worse than bitcoin's because of the txn size, block size, cost of full validation, & the lack of a layered approach. Combine that with the need go battle bitcoin's multiple economic & social network effects & monero is a really bad bet.
