Cryptocurrency does not have this problem, Bitcoin does. Litecoin, Bitcoin Cash have excellent solutions. Monero is very good as well. Almost every 2nd layer ETH derivative solves the scaling problem, some better than others.
If you believe Bitcoin is the "one and only", you really should get out from under that rock. 
Do yourself a favor, read the Bitcoin white paper and find the section that mentions LN and ETF's.  Then remember Bitcoin worked just fine for fast cheap payments for the first 8 years.