Re: Bitcoin Adoption and the Scalability Problem. What can normal users do to help?
Higher adoption ----> more transactions per second ----> higher tx fee/time ----> inability to do smaller transactions ----> less adoption.
Let's assume the worst scenario: all the world uses Bitcoin technology.7 billion people use betcoin, 1,000 transactions a year ----> 7T tx (192 byte for every transactions) ---> 1.3 petabytes/year.
when using LN "the total global payment volume can then grow well above the 10T/year estimation, at no additional cost."[1]
Even when LN is activated I don't know if it would solve things up.
will solve. 
It's a system of mini banks,
No, lightning network does not keep your money, but its a channel based on the bitcoin blockchain.Please spend an hour of your time reading -----> a flash of insights on lightning network you will be learning everything about the LN.
#1https://fieryspinningsword.com/2018/03/13/a-flash-of-insights-on-lightning-network/