Unfortunately SegWit is dead end of development, viewed by miners as a backdoor tool and enemy to decentralization.
I agree that everything would be so much easier with SegWit and Lightning Network.
But greedy miners won't allow it knowing that both these upgrades will kill their profits.
Then said miners are monumentally stupid. The on chain fees for opening and closing channels will be staggeringly high. That's why I'm not so sure a Lightning Network will actually change much without quasi Paypals giving you IOUs to group them together instead.
We're already seeing a few merchants accepting Bitcoin solely through a Coinbase wallet to avoid going on chain. That might accelerate. If miners won't give enough permission to the capacity then people will route around them to everyone's detriment.