It's a well known fact that "proof of work" simply doesn't work on a large scale.

Lightening is a hack that compromises security for greater speed.

It is not at all clear that the end to end transaction fees using Bitcoin would be less than Visa/Mastercard. Particularly once compliance issues are priced in.

Please stop suggesting this and anything else in crypto as the answer to all our problems.

Crypto is all a scam.

https://www.stephendiehl.com/blog/crypto-is-a-scam.html