#2 is completely true. Monero users publish the recipient's stealth address in every transaction, in plain text. The money *ends up* in a different address (one that is *derived from* the stealth address), but you still publish an address belonging to your recipient, in plain text, in every transaction. And that's just a stupid thing to do. Use payment channels, bro.
https://image.nostr.build/b19eb779ec777f0ec8bae53c55c679e0bcaa5a49cf1fa194c42888f12873d84e.jpgobuserd