Ive worked internationally for years using swift transfers, the amount of hoops, the costs and the time. Bitcoin has already layed them flat on their faces. I dont think it needs to be better. It jsut needs to remain a stable secure place of value. Not faster. Leave faster for some front end market coin. I dont care if bitcoin is used for P2P retail transfers. Fuck it, leave it value, use litecoin for retail markets or ethereum. Let Bitcoin remain a robust money