- 99% of your transaction are located in your town (quarter).
Incorrect.
Nevertheless the idea of partitioning payment systems by some sort of natural (if fuzzy) boundaries is reasonable.
I still prefer off-chain (possibly partitioned) payment systems with a single settlement chain though. Not sold on merged mining at all.
ok, if you do not like "natural boundaries" we can create corporate chains. :-)
a) local-Tesco-Sidechain
b) or you can use Coca-Cola-Sidechain
c) or use Free-Wifi-Geaks-Sidechain
d) ... some local drug dealer chain
I do not know exactly how to build TREE OF CHAINS what will serve all people needs .. but I know that it is possible and free market will choose what is important and what is not