For the scalability and the speed of transactions problem we have the lightning network. Businesses just need to run a LN or use someone else's and they're good to go. Transactions are instant as far as I know using LN. I agree with you that blockchain technology is hard to understand for the average joe and most of them don't want to put the effort to do it, so I think the solution would be to create user friendly interfaces and ecosystems where the user can use BTC and other cryptocurrencies just like he would be using money - eg. select a name, enter the amount to send and tap on "send" button & vice-versa. QR codes would be useful as well. As a matter of fact I've just given myself an idea. lol