CZ just said the quiet part out loud.

On-chain transparency is powerful for auditability.
But it’s a nightmare for payroll.
If every salary, bonus, and vendor payment is publicly traceable, crypto struggles to function as everyday money. Companies will not expose internal compensation structures to the world.
This is the core tension:
Transparency strengthens compliance and fraud detection.
Privacy enables real economic activity.
Until that balance is solved at the protocol level, crypto payments remain a niche tool, not a global standard.
The next adoption will be driven by usable privacy.