That's right. But… Ten+ years ago we were all told that the decentralised cryptocurrency would enable the unbanked masses to make micropayments to one another

That's right. But… Ten+ years ago we were all told that the decentralised cryptocurrency would enable the unbanked masses to make micropayments to one another — and indeed, we could do that in the first few years. However, the mining fees are so exorbitant these days that micropayments end up being very expensive, at least percentage-wise. I didn't have any expectations about the bitcoin exchange rate ten years ago, but the “cheap micropayments” expectations were blown to pieces a long time ago. Bitcoin Lightning, is that so simple that even my mother could use it without my help? For me that's the acid test.