> so the actual inflation rate approaches zero.

Now THAT is FUD. Current annual inflation rate is 0.84191433% [0]. That is massive and not "approaches zero". The value of Monero over n-years thus approaches zero over time, for big enough n.

While that is a little under 1%, it is still inflation. The ECB targets on average 2% inflation (while before COVID the ECB targeted maximum of 2% - so actually close to the Monero inflation).

[0]: https://p2pool.io/tail.html

Thank you?

It looks like we have different definitions of "massive".

You also say it does not approach zero, but in the following sentence you do say it approaches zero.

I guess people need to decide if inflationary money is better or worse than deflationary money, and what amount of inflation is appropriate.

Personally, without too much thought: I think a monetary inflation rate should correlate with the population inflation rate, so that it's value remains somewhat constant (I'm open to changing this opinion with more information).