I am glad that you have another solution, but this is a 'problem' that even Satoshi gave a simple solution for.
It is a kinda of a virtual problem, not a natural one. The block limit was purposely implemented for spam protection.
So it is very simple if you just want to solve it simplest and quickest way possible, but off-chain solution ended up being followed by most.
Here's my view for your statement. If 10 billion people in the world used blockchain for payments. That's at least a million transactions a second. Currently, the Blocksize is 1 MB. If the minimum BTC transaction size is 250 bytes. ~4,000 transactions per block. That's 6.66 Transactions per second.
I have a solution (proof of concept in GoLang) which scales up to 1M transactions per second with a smaller block size without compromising on decentralization / security / future scalability.