I finally looked into how the Lightning Network works, and holy shit it's a game changer (on top the already existing game changer, btc). Zero fee transactions or extremely low fee transactions (depending on the number of hops in the payment path). Even 1 or 10 sat tx for 0 fee, if you have a payment channel open with the node you're paying.
If you're interested in learning about Lightning, these videos are pretty good: 402 Payment Required: https://www.youtube.com/playlist?list=PLmoQ11MXEmajsUw95Fq6fHzXnVmoMPIeV
We know Btc is going to dominate as a store of value, but Lightning is going dominate as a scalable payment network
This will put so much pressure on Visa, Cirrus, Paypal, Venmo, etc after it gets more adoption. In the very near future, electronic payment companies & banks will need to "pivot to a business model of creating value", instead of just living off rents from their legacy banking infrastructure.