Monero is the Swiss account of today and it works TODAY. I am using it daily for small purchases and it's great 
Swiss accounts can be used to buy anything without any specialized infra though. How are you currently buying stuff with Monero? (Let's assume that the vendor doesn't directly accept it).
Still on this aspect, there is no controversies here because both the bitcoin network and the LN are serving the same purpose on helping the users to have a better experience and i don't think each one can have a better application than each other from what they are serving already now, the two will remain relevant as ever because they continue in serving their same purpose.
Lightning Network is something different but Bitcoin itself is actually fine the way it is currently. I feel like we can already use it for payments without issue - as long as someone like Rodarmor doesn't invent another money-grab to increase network fees with.