It's a strong case for, perhaps, Algorand[1], but Bitcoin can no longer play this role properly. Transactions are too difficult and slow and the network is too expensive. And Lightning is not a real solution.
1. Specifically a stablecoin running on the network
Stablecoins are not decentral and would suffer the exact same censorability as Visa/MC. That does not improve the situation.
Why is Lightning not a solution, care to elaborate?
It's basically unused and difficult for even motivated users to set up. If it was going to work, it would have been successful by now.