Scaling isn't even important. TODAY. It obviously will be in the future, which is exactly what he said, but a successful cryptocurrency needs much more than scale.

Current centralized payment services are superior in only one way, the only way that matters: they function. They're used. They're scaled. They may be garbage, and they may represent an opportunity in the tens of trillions of dollars for a decentralized replacement, but TODAY, credit cards can process thousands of transactions per second, in currencies that are actually accepted everywhere in their host countries, through cards that nearly everyone already has in their possession. You're confusing today with the decentralized world of the future, which hasn't actually come to fruition yet.