Do you think we really have to settle for off-chain solutions in a long run? Then what do we really need bitcoin for, when we already have perfect off-chains payment methods (visa, mastercard,...) ?
Sorry but that is apples and oranges at another level.
We need
BTC in order to:
- get rid of the middle man (visa, mastercard ...and in my opinion bitpay also)
- be able to keep your money (coins) in a place where nobody can touch them.
Here I would have to mention that keeping cash under your pillow is not the solution since the central bank can easily print new notes and make the older ones useless.
This can be achieved with a coin with the LN.
And you're right now comparing LN nodes to banks....?