Comparing Bitcoin to VISA is dumb. It's more closely aligned to a permissionless SWIFT network. Lightning is closer to VISA but we're still figuring out how to scale it in a decentralised & permissionless way.

Bitcoin redefines so many terms that fiat introduced.

Fundamentally bitcoin is money AND currency, which we've not had since going to paper IOUs.

Bitcoin is a payments network as is Lightning. Both use & transfer bitcoin & both have tradeoffs. Buying bitcoin is like buying shares in VISA, Mastercard, Amex & Diners in the 90s while also having shares in & access to, the backend settlement layers.