The only way bitcoin can compete with visa is through the second layer solutions, there is no other way to do it, so we can only hope that we get LN as soon as possible, and segwit too since segwit improves the LN experience.
We will see what happens, but either BTC gets second layer solved appropriately or it will remain a better gold.
In a perfect situation SW and LN will be what will drive Bitcoin faster than ever to mass adoption since it then is able to compete with the centralized big boys. But we all know how diffitcult it is to reach concensus among pools to even accept SW, how will that be with LN which certain "high level entities" and pools also don't seem to be a huge fan of as they believe it isn't Bitcoin anymore. For now it's waiting to see pools reach consensus to see how Litecoin adapts to SW once implemented. But again, reaching concensus forms a familiar obstacle...