Peer to peer money (low transaction cost, high scalability) is not immediately possible without tradeoffs to decentralization. You can increase block sizes to

Peer to peer money (low transaction cost, high scalability) is not immediately possible without tradeoffs to decentralization. You can increase block sizes to a degree, but that threatens decentralization by making it difficult/expensive for nodes to sync and store the chain. We have an experiment called Bitcoin Cash and endless other forks promising low fees, but adoption has not followed.