I think the effect of LN is a little bit exaggerated. Bitcoin could come first and it has really high adoption in "problematic" areas like Russia, Ukraine, African countries or Latin America. However, despite that, the overall adoption seems not enough to eat significant part of this pie. 

notgeld

bitcoin

Taro: How Bitcoin Renders "Cross-Border" Payments Obsolete

"Every year, businesses and consumers pay $1.9 trillion in fees (2% of global GDP) for the right to pay each other." 

What an absolute travesty. Cumulative payment fees throughout history have likely hindered unimaginable progress across the world. Lightning fixes this. 👀