Perhaps a certain amount of money (say less than $2000) can be transferred into another system to be used instantaneously similar to transferring Bitcoin into a credit card to be used (nearly) instantaneously, only this system will be standardized to work alongside Bitcoin.
And with this destroying every hope of decentralization there is still left.
You're whole idea start from replacing
BTC with something else for transactions.
Why would we still need
BTC after this?
We have a system which will make bitcoin transaction nearly instantaneous it is called Lightning Network.
What we need to be aware here is fact that miners won't be happy with upgrading bitcoin with off-chain system.
It would lower the income from transaction fees etc. it will also made Bitcoin even more centralized.
How is this going to make
BTC more centralized?
Anyone can open a LN node, but not anyone can mine a block since we're also bringing mining into question.
As for miners....after seeing during the tx madness a mempool of 200k transactions and miners mining half empty blocks, well, these miners we have today can go ......
mine!!!!
I'm really glad that you bring to us a brilliant ideal but it's not perfect at all and i think you gonna need some more times to fix it by getting more opinions from us.
I really don't see what is brilliant in this ?!?