Well said ToxicSara. Lightning certainly isn't perfect but things are developing pretty quickly for the world of payments.
Coming from the traditional payments world, I see strong parallels with the Real-time Gross Settlement Systems (RTGS) such as CHAPs and Real-Time Payment Systems like Faster Payments in the UK. The former settles a similar volume of transactions to Bitcoin each day a few hundred of thousand) whereas the latter clears millions of payments a day but only settles on a deferred net basis three times a day via CHAPs.
We just need to be more economic with the on chain settlement and the multi-layered system with then scale!