Visa will never to able to offer anything related with bitcoin with this 1MB block limit because they will not play the bid-for-space war.
The idea is that they won't have to bid all that much because the limit will keep all the little transactions off the block chain and on the 3rd party ledgers. In this way, debts can build up between companies like Visa and get settled on a daily/weekly/monthly basis via the block chain. Yes, that means poor people don't get to anonymously buy anarchy themed lapel pins, but it ensures that poor people
can verify that the worlds supply of money has not been corrupted. The only way to perform a legitimate validation of the transaction ledger is to retain a full copy of it on local devices, a task that becomes cost prohibitive as blocks become larger.
Please highlight to me the offchain solution that is available since we are approaching the 1MB block limit very fast.
And if you can't be bothered to maintain your own full node, you don't need your transactions on the block chain. The revolution in bitcoin wasn't the ability to pass around signed transactions; the revolution was in a distributed consensus of those signed transactions. If you aren't checking the validity of the transactions, you aren't using bitcoin. If you're using someone else's node to check the validity, you are relying on them! So then, what is the point of having your petty little transaction bloating up my hard drive!? The people who "can't be bothered" are never going to bother, and I do not want my money compromised to give them some illusion of freedom! Let them have checking accounts and credit cards denominated in bitcoin, and let them also have the option to validate a bank's books with their own inexpensive full node.
So now you are trying to force every bitcoin user to have a full node? Just like every webpage visitor has a full server in his house? Satoshi never visioned such a world. He stated that the full nodes will be centralized and that people will use Light clients. Why are you trying to impose YOUR point of view on everyone else? Why don't you let everyone to decide if they are ok with centralized nodes or not? Why do you think that there will not be some kind of trusted full nodes service where people can whitelist and blacklist centralized nodes? Stop trying to limit stuff and stop being MP dog who just follows orders!