Seems hard for any L1 with really good privacy to scale to VISA levels due to the encryption overhead. I’m thinking that practically you need either a solution where you use a high provacy chain for important transactions and you pay more and a low privacy chain for cheap transactions (what do I care what people know about my grocery purchases.) Either in a single Tech or mix and match chains per use case. Would love it if some amazing solution were to emerge that makes it possible all in one L1 like Monero or ZCash though.