transferring bitcoin on-chain has proven to be a very costly, inefficient, and lengthy operation.
This is just not true.
Until las week I was transferring satoshis here and there for as low fees as 3 sats per byte, 5 sats per byte.
If someone think that paying 2-5 sat/byte (less than 0.5 usd) to make a permitionless/borderless/pseudoanonymous transaction is less than 30minutes is expensive.. well, that person doesn't understand bitcoin.
For the rest of the world, we all find bitcoin very cheap and useful.
If you dont care about decentralization, Just go for visa. Don't use shitcoins.
I once heard antonopoulos saying something like that: " bitcoin wasn't made for you to buy a coffee at Starbucks, but to help you buy a bus ticket when flying away from war"