Again, you can’t really compare Zcash with Ethereum unless programmability is added to it (which would be a major undertaking). Without it it’s simply technically impossible to do all the things that can be done on top of Ethereum. And maybe that’s your point, that we should add programmability to it, but IMO simply there aren’t resources for making that happen now while we are still addressing things like wallet performance. (Though ZF did recently fund a survey on the existing mechanisms to do that, but that’s just a first step towards it)