Maybe you don't believe the blocksize increase will happen? I hope it does, because:
- Even if not right now, we will need that blocksize increase sometime in the future.
To scale to visa/mastercard transactions per second, the blocks can never be big enough (if I remember correctly we need about 6Gig per block), so on-chain transactions are not the solution.
Why start down a road that will probably forever inflate the size of the blocks, when we need to solve the problem in a different way.
Quick hack to make it work, or fix it a proper way.
Segwit enables Lightning, and Lightning will allow millions of transactions per second.