enuts cashu wallet is what I am using, I don't transact large with it, only $25 here and there.

I guess we are waiting for silent payments to be more widely implemented or use higher-risk layer 3 protocols?

Use LN FFS ! Who doesn't realized how to use LN for more privacy, means that doesn't know too much about how to use Bitcoin.

Join market is still going. Wasabi still works, just with new coordinators. There's also another coin join market which might be about ready for mainnet called joinstr.

Then there are wallets like BTCpay which have integrated payjoin. Other wallets like cake have integrated silent payments.

Don't forget good ol lightning, particularly unannounced channels.

Then all the ecash stuff and the p2p exchanges.

Still plenty of options to transact privately with bitcoin

privacy from who?

Ginger wallet has mixing if you're into the OFAC cleared mixing with their coordinator, otherwise your other option is using Joinmarket on your own node,

You can try moving between L-BTC and BTC if you're okay with Liquids federated model,

Otherwise you'll just have to wait for silent payments or something like joinstr to start to get traction and wallets start to use it

Joinmarket Jam app (p2p coinjoins)

need to have funding to incentives people to make privacy tools.

there is no incentive to make public tools for such things.

the economy not doing well, and people are struggling.

many of them dont have the recourse to work on such things even if they wanted to do so.

Oh man, that is a very good question.

Liquid and Mutiny

Mutiny is lightning and e-cash wallet

Monero