Bitcoin Segwit is a Fractionally Reserved Alt-Coin

Can someone explain to me how you can avoid entire blockchain runs with Bitcoin Segwit? What I mean is that if the blocks become congested then people with money in Lightning channels cannot clear them on the main chain. If you can't clear your money on the main chain then your lightning channel will execute and you will receive an incorrect amount of money. Everyone already knows this. The real problem is that under Segwit's version of Lightning you will have to have hundreds of times more transactions off the blockchain than on the blockchain. So its not a question of if the blockchain will get congested, its a question of when. The most likely time for massive blockchain congestion is during economic depressions. As far as I know the only fix for blockchain congestion that the Segwit team has to offer is to freeze transactions in the Lightning network thus giving them more time to clear on the main chain. But again if you have an economic depression with Bitcoin Segwit that means the price of the coin is in free fall. So basically Bitcoin Segwit will work fine until the price of the coin is in freefall and during this time you cannot clear your transaction on the main chain. So can someone who thinks Segwit is a good idea explain to me how this is any different than fractional reserve banking with fiat money? With fractionally reserved fiat you have more currency on the books than in the vault (just like with Bitcoin Segwit you pretend to have more blockchain on Lightning than you do on the mainchain). The fractional reserve system for fiat works fine until depressions hit and then everyone loses massive sums of money. So isn't Bitcoin Segwit just another fractionally reserved currency that will cause massive economic boom and bust cycles?

In case you want a summary, Bitcoin Segwit fractionally reserves the blockchain which is what backs Bitcoin just like fractional reserves originally fractionalized gold which is what backed the dollar. Did we just trade one fractionally reserved currency for another? I don't see how Segwit can do anything but destroy everything Bitcoin was trying to create for the world.