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Wave@monero.town
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The technology is neutral. Anyone who wants to transmit monetary values can use XMR Monero. Of course, you must comply with the laws of your country. One assumption as to why there seems to be little exchange with RUB is that users also have access to other currencies such as Swiss francs, euros or US dollars.

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subject to income tax

there would be no taxes

That depends on the laws of where you are.

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instant crypto exchanges

Wonderful wallets like Monero.com and Edge.app already have this integrated and it works beautifully every time!

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screenshot

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black or grey economy

A simple example: A Rastafarian from Indonesia buys cannabis products in the Netherlands and pays in Bitcoin. This is much more dangerous for him than paying for the purchase in Monero. Indonesian penalties are draconian. But most of us here would probably agree that the buyer should have nothing to fear.

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a form of guerilla warfare

Using Monero XMR as money has many advantages, it doesn’t have to have anything to do with rebellion or revolt. Sellers who accept XMR get their digital money sent to their wallet immediately upon purchase and can use it. There is no bank in between, they don’t have to count change and can use it themselves for purchases worldwide. It simply makes sense to use Monero, no matter what color the market is in your jurisdiction.

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we can’t fight against governments

Those of us who live in countries ruled by oppressive governments don’t think about fight, they actually have the struggle on a daily basis.

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XMR is digital cash. How does putting cash in someone’s pocket help them in a disaster? It’s a transfer of value that no government can prevent, but how does it actually help those affected?

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