[morgancmartin]

Nano (ticker: XRB) has no-fee transactions. Send 3 XRB, receive 3 XRB. I'd say it's biggest wart yet is the volatility, but there are already half-way solutions like instant fiat resolution. These kinds of services take their own fees unfortunately, but I am sure some sort of peer-to-peer crypto<->fiat will pop up eventually.

Monero is the go-to privacy coin. Unfortunately, I am not as experienced with privacy/security, but it appears to be good enough for many. Perhaps someone else can speak to its efficacy?

Finally, there are decentralized crypto exchanges. None that take fiat in (AFAIK) but there are definitely decentralized exchanges. Don't know of any off the top of my head, but I'm sure they're just a quick google search away.

Those are the things that stuck out to me about your post.