Partially disagree: the Lightning Network [1] facilitates almost instantaneous micro and small transactions which can later settle in aggregate to the Bitcoin base layer.
I've used this to purchase goods both online and in person seamlessly. Custodial solutions (trust another party to hold your funds, like a bank) are turnkey. Right now the truly non-custodial solutions (i.e., run your own lightning node) are definitely in the realm of hacker/tinkerer, but continue to improve in terms of accessibility.