Nobody knows how this is all going to play out.

I think your vision probably will age well, but in addition to the things you mentioned that exist already in nascent form, there will be structures / institutions / social groupings that we can barely imagine. If btc works, it will re-structure human social interaction, and economic interaction, just as all the major technological revolutions that came before did.

Lightning macro-criticizers show a profound lack of imagination. Although, this failing is not unique to them.