Are you really that dense? Would you have preferred I use gold?
Ah yes, that well known universal settlement mechanism, gold. You watch too many James Bond movies
(Which also happens to be used by billions of people, from rich to poor, in electronics and jewelery BTW)
Once you get to Bitcoin only being a settlement layer between open source payment layers or whatever, you lose the point of bitcoin which is trustless transactions. Those layers will be few enough that trust layers can be built between them and Bitcoin becomes irrelevant.
Which won't happen because big blocks are coming. And they are coming because that is what is needed.