Transaction fees will have a lot of room to rise before it really becomes a concern, and by that time I guess most of the large service providers would have already be running some sort of clearing solutions
LN is believed to be a good on-chain solution, but it will also take a lot of time to code and especially reach consensus to use it, which is the most difficult part, because LN will cause centralization of knowledge unless it is widely understood like bitcoin
i think a simple solution would be to reduce the minimum fee to 1k, because miners don't need the fee to be more than 80x what they are now, to have the same profit they are getting from the mining reward