Right now for the next 16 years, Monero could be considered the harder money, as the monero rewards granted for mining are now gone. It has a supply of 18.4 million, and is only CPU minable which theoretically is a more difficult task since the hardware isn't specialized for mining. Tail emissions offset lost coins, and incentivize miners to maintain the network. Personally, I see utility over theoretical value. And swapping usually tends to be the vulnerability in opsec. For me obviously, I wouldn't be buying anything that requires good opsec but I'd prefer to maintain transaction privacy as a given principle rather than as an assumed luxury.