Although you are probably going to use your card to buy this: https://www.apple.com/shop/buy-mac/pro-display-xdr

But again, I see your point: our financial system is already very efficient, BTC will have to be way better than it current is before it can compete with it for day to day use.

I'll keep an eye on lightning though. It makes any transaction, no matter the size, instant, and cost a tenth of a cent. It has potential.