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Imagine the queues in the shops if Visa batched their transactions up and authorised your payments in 10 mins blocks. That is probably the main reason Btc hasn't (and probably wont) taken off. People just don't want to wait. Even if they halved it and halved it again, that would still be 2.5 mins waiting for payment to clear. The lightning Network is ok but if your main selling point is something that just bypasses the main protocol, then why bother with the main protocol.
I guess you've already got the answer to your question above there.
You should consider other applications. Such as what happens if creating a credit card and etc requires a lot of submitting personal details which is a concern for me, so what should I do? I wanted to pay anonymously to others asap, without requiring to register my personal identities to some banks. Hence, I could use Bitcoin to do it. Just create a wallet, and then send my payment with this.
I do agree that faster transaction speed is better, but of course, that's not the only thing that matters. I guess this topic can be locked now unless you wanted to shift the discussion to something else.