Do you pay online with wire transfer? My vision is a decentralised coin that is as fast as VISA is perceived but a lot cheaper to transact. Obviously that's not the vision of Bitcoin though?
Please don't start on the "Vision" rhetoric, look at the pipeline of core, there is a clear path to VISA scale tx but it is an engineering challenge, unfortunately the majority of people complaining and talking about scaling blocksize (right now, with a terrible straight-up hard-fork) are (bad) Operations people who are more than happy to shitcan half the benefits of a decentralised, privacy focused system for a frankenstein system that in reality still won't compete with VISA. Protip, if you're competing against a behemoth incumbent, it's not enough to simply match their capabilities, you have to surpass them. Lightning network fees will be cheaper than VISA, a lot cheaper. Scaling a $120b financial network on a whim without a real engineering team is not only a bad idea, it's downright fucking deplorable to put users at risk.
I've never said that Bitcoin Cash is any better. It may have lower fees right now but it still takes ages to transact. I just doubt that any Bitcoin based coin will ever match my vision and that we need something fundamentally different. Maybe Lightning Networks will solve it but it doesn't seem clear.