Look at the 10 minute block time restriction. Whatever you do with SegWit ( which is brilliant ), or with blocksize changes, you will still be looking at up to 30 minutes for a confirmation. That's a long time for an on-line service these days.
Wrong, this does not usually happen. My transactions have never taken more than 10 minutes to confirm, unless there was unusual block timing.
I am seriously starting to question your knowledge of Bitcoin. Transactions never take longer then ten minutes to confirm? How often do you even use Bitcoin? Most people with some experience or at least some theoretical knowledge of Bitcoin should know that this is not true.