Maybe we can just agree to disagree?  I think that you are just making shit up, when you are suggesting that bitcoin is running at max capacity, and if your standard is comparing to visa or master card or some bullshit like that, then you are being a bit unrealistic in comparing apples and oranges.    The fact of the matter is that there is plenty of room on the bitcoin network for people who appreciate the value of decentralized immutable transmissions and holding of value.  So, in that regard, maybe if you are considering bitcoin to be full, then you are expecting bitcoin to be something other than what it is?

Certainly, my use of transmitting value on the blockchain has increased in the past year.  In 2014 and 2015, I probably conducted around 30 to 50 transactions on the blockchain.  In 2016, I have nearly doubled my quantity of transactions on the blockchain (maybe getting close to 100 transactions in the past year), yet contrary to your assertion, I have not experienced any meaningful nor significant perception of any kind of problem in sending and receiving transactions in a fairly expedited manner to whoever the fuck I want.  The timeline for the transactions being confirmed is very similar over the years. Maybe the fees went up a bit, from a few cents to nearly $.10 from time to time, but I can also send lower fee transactions, if I want.

Surely, if I send money from a bank or through another traditional payment system, I can send/get money quicker, but the fees are likely to be higher with less control by myself regarding when and to whom I can send usually, those kinds of quick transactions are interbank  (or banking institutions that have relationships with one another).  Most ACH transfers take several business days to receive, and over the weekend I am kind of screwed.  Bitcoin offers a certain kind of set of features that is unique to it.

Maybe this question of "maxed out" is a matter of perception, because I perceive bitcoin to be quite well functional and well under capacity, and we also have a lot of developments in the works - even though there is no current emergency.  In this regard, if I can get a transaction to go through within 24 hours, and I can accomplish such transaction with almost no fees, if I want to process it without fees.  I can send such transaction anyone that I want 365 days of the year, 7 days a week, 24 hours a day.  And, some folks consider that this system is NOT working quite well, as it is?   Yes, we have improvements on the way, including seg wit, but there is not really any kind of rush when we already have less than 24 hours to confirm independent censorship resistant, immutable transactions.  Hypothetically, if I want to send money to Wikileaks, no one can really stop me if I am using bitcoin... and in less than 24 hours,   (less than one hour in most cases), viola, they will have their money.