>inflation bug
https://www.moneroinflation.com/
>i'm unaware of any layer 2 for monero that would help it scale
Several solutions were proposed, but none of them are being worked on because there is no urgency. Unless Monero growth becomes explosive (unlikely), the flexible blocksize is a good enough scaling solution.
>bitcoin is as private as a person makes it
Not really, because all transactions are public. You can only make your transaction history harder to analyze, but this is not easy.
L2 systems can be private by default, so not all hope is lost.
>btcpayserver (L2)
btcpayserver is a payment processor, not an L2 system. Perhaps you meant Lightning Network? It borrows some ideas from Tor, but it doesn't operate over Tor by default.