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Another example is retail.

Retail is always gonna use "off-chain" transaction handling simply because it's an application in its own right. e.g. a Supermarket has a great big SQL server in a back room (or data centre) connected to the cash tills at one end and the Visa network at the other that's capable of all kinds of stuff that a blockchain just is not equipped for. Things like instant reversals cos your cornflakes got rung through on the other customer's bill, discounts, store card stuff and wotnot.

To me, Blockchain scaling and performance is more about consolidating the monetary properties of an electronic asset, not supporting POS networks.