Question for lightning network experts: Can LN truly scale to support feature parity with Visa/AMEX? By feature parity I mean not only tx/s but also - Always

Question for lightning network experts: Can LN truly scale to support feature parity with Visa/AMEX? By feature parity I mean not only tx/s but also - Always readily available for places that support it (I never have to wait to open a channel, I never have to "pre-deposit" funds anywhere) - Fraud protection by default (I can have illegal transactions unwound) And can that be done at a price point that's significantly cheaper than existing players?