Most of people get it wrong. In the fiat world, are you going to pay for your groceries using a central bank SWIFT code? No.

Same with bitcoin. Onchain is only for large and dedicated, specific TRANSACTIONS, a settlement between 2 large accounts. They are not "paying" each others, but settling their balances.

On the other hand, you have PAYMENTS when you buy something and that's where comes The Lightning Network, that is The Payment network of Bitcoin.

Let's not confuse transactions with payments. Are not the same.