Hidden amongst all your bullshit (which Bobr has dissected) you do have a few reasonable points
barely handle the transaction throughput of Visa
Firstly that's a non-sequitur, you don't need Visa throughput to be a currency, but scalability is a genuine issue in the long term. That will need a 2nd layer technology, probably using sharding or other approach for more parallelism and throughput.
Monero is confusing for average people
Generally true. Any self-custody solution will be more complex than just trusting a bank service, but substantial UI improvements can be made and some trusted simple apps will develop.
Monero is centralized
There is currently a small group of developers and researchers, but they are distributed geographically and not connected except by their involvement in the project. All hosting and communication occurs on multiple platforms, including distributed ones like this one. It's one of the most decentralized open-source projects around, certainly far better than BTC or ETH for example.
will not be allowed to be hard-forked
Bullshit, no-one can prevent hard-forks. Both source-forks and chain-forks can be created by anyone. That is a concern actually as bad actors can cause confusion.
community can’t decided unilaterally ... technical stagnation
It will be the reverse. Unanimity or a centralized foundation would cause stagnation. Monero has had forks in the past, and it will have more in the future. That guarantees technical innovation. Customers will choose their preferred version. It's a free market for currency innovation.
Be aware of the EABE pattern/attack which can leak information: https://monero.stackexchange.com/questions/12479/solutions-to-the-monero-eabe-attack . Avoid repeatedly sending exchange-received funds directly to a regular business without churning and changing your identity for the business