Getting a distinct sense of deja vu here, like all the people who proclaimed Bitcoin itself had died but turned out to be dead wrong when it kept churning out another block every ~10 minutes.  Lightning will be the same.  Some people will completely fail to comprehend it and declare it dead in the water because they're ignorant, but it'll just keep going. 

Anyone want to start off LightningObituaries.com with this thread?

I'm honestly not sure at this stage if the OP genuinely believes it will fail, or if it's more along the lines of them wanting it to fail for reasons they've yet to disclose.  Hate to disappoint you, but talking it down won't kill it.  Enough people are on board with the idea that they're willing to commit time and effort to improving it.  It's only going to get bigger.

But you go right ahead and keep using Visa.  All you have to surrender is your privacy, independence, freedom, etc.  Small price to pay, right?