Monero scales just fine to the number of users that care about privacy. It doesn't require any custodial solutions that introduce KYC, fractional reserve, rugpull etc. either.

Payment channels could even be tried on monero: https://xcancel.com/fluffypony/status/1817251126540144909

nostr:nevent1qqs0r2vzknv77q2u5ph02tjjs7dwskcujkjv4ll9s83gduv26vte55qa4rdaw