It will never be as scalable to outperform visa to serve as everyday payment solution for whole word (7.7B people).
We already did outperform VISA when we introduced the second layer solution called Lightning Network.
We can use off-bitcoin-chain solutions (WBTC) for everything else.
All the security, centralization, etc. are true but another big problem with these "options" (not solutions) is that they have no link to bitcoin and they have absolutely nothing to do with bitcoin. Just because with some market dynamics in some centralized exchanges you can dump one of these tokens for 1 bitcoin that doesn't mean they represent bitcoin. You may some day face a problem where 1 WBTC is equal to 0.1 BTC and there is nothing stopping that from happening.
In technical view you can say that a second layer like LN depends on bitcoin and what you have there is directly linked to bitcoin and its chain. If bitcoin stops working, LN dies with it too. But if bitcoin stops working WBTC will still stay alive and vice versa meaning when the token platform goes away or maybe they do another roll back WBTC will vanish while bitcoin still remains intact.