1) A much better number to use is 4,500/10 minutes, because if the transactions aren't used in a prior second, they can still be used in the next.
2) One-way ratcheting timelocked channels (these payment channels work kind of like a giftcard) are ridiculously easy to implement -- basically just use this scriptPubKey: ``` OP_IF <Bob's public key> OP_CHECKSIGVERIFY OP_ELSE <now+8 days> OP_CHECKLOCKTIMEVERIFY OP_DROP OP_ENDIF <Alice's public key> OP_CHECKSIG ```(from https://21.co/learn/intro-to-micropayment-channels/) These only require two transactions total to send many transactions from Alice to Bob. Even as technologies like Lighting Network are further developed, which make these channels full duplex, institutions looking to get high volume trustless transactions through should have very little challenge adopting simpler channels now.
3) The number of transactions is completely separate from the amounts that can be transacted. Large value transactions move through bitcoin as easily as small, so even if the number of transactions were bottle-necked, this is still very useful for settling larger amounts with finality.
