Scaling 100% off-chain runs in stark contrast to the underlying principles of an open and permissionless system. Users won't stand for it and won't allow it to happen.
Hmmm, the only off-chain system currently proposed is permissionless. So, WTF are you talking about? Oh yes, that's right, you're talking about incredibly subtle anti-Bitcoin propaganda, like you always do.
Do you think that if you repeat "Lightning is Banking 2.0" a million times, it will magically become the truth?