This is spot on. Muun works like "a charm" until it doesn't. Their model is putting them AND the users out of control. It won't work like this. Users and muun will have a bad awakening at some point in the future. They need to change
I am astonished by the big number of "privacy advocates" pushing noobs to use Muun. But NONE of these are talking about how Muun is managing the xpubs of each Muun user.
NONE of Muun users are in control of those xpubs. Muun servers are. Meanwhile these "privacy advocates" are screaming all day, not your keys, not your bitcoins. Damn it, xpub ARE your public keys and if somebody else know them you are screwed, they can scan all your movements.
YOU CANNOT EXPORT OR CONTROL XPUBS IN MUUN. And Muun is linked to your Google Play account - that means they can also link it to your IMEI.
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