Second layer technologies are the solution to that problem. We can build systems on top of bitcoin that have some tradeoffs but allow for exponentially more transactions at lower fees. Lightning is one example of these second layer systems. Custodial wallets like Coinbase and others are a poor, but simple and easy example.

From a physical or a regulatory perspective, any of those second-order systems are going to be subject to the same money-transmitting laws in place across the world. So you can reimplement the existing money-moving tools with no significant benefits to anybody except the creators of the money-moving tools, who can take a vig instead of a bank or Visa.

Let's burn the planet down for that, hell yeah.

There is not only PoS. Open Representative Voting (ORV) is a working solution: https://docs.nano.org/what-is-nano/overview/

How is PoS centralized by default? You think ETH mining is less concentrated than ETH holding?

I know scores of people who hold ETH. I know like 2 people that have tried mining it.