What do you think about Monero’s inability to scale to support all commercial transactions. Is the goal to fix this at some point?

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It will scale when it must or eventually a better coin will replace it.

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.

It can scale to the point we need onchain. With its newest upgrade it will get capabilities for LN.

Interesting. Does LN have the same issues with centralization and usability that LN for Bitcoin does?