All depends what we're solving for.
We're not within striking distance of Visa. How can bitcoin/Lightning compete with instant settlement 3-5% cash back credit cards?
When on-chain fees are 600 sats/vbyte, we'll all be thankful lightning is an option.
Visa is not instant settlement. It's near instant charge authorization.
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Fair, even more of a reason to use it over Lightning to buy a sandwich.
I'm hungry now
mmm sandwich
