You have no idea what the problem is if you think the money creation issue and capital misallocation is about consumer payments.

It simply isn’t, and Bitcoin can fulfill every one of those roles just fine. The biggest problem in the world is the inability for sound money to scale IP in value, not the difficulty of small payments.

Bitcoin, exactly as designed, can solve the world’s greatest (by orders of magnitude) monetary problem without any alteration.

The retail payments problem is easy by comparison.