yes, but we still at sub-megabyte blocks most of the time; if usage starts surging, it will be public knowledge and they will have lots of time racing & trying to stay ahead of it
Businesses simple don't want to have outages of their service, because of some sudden surge for which their systems were not properly dimensioned.
c'mon it is inevitable that the payment-network-of-the-world will go professional & just like in every mayor field there will be the big 3-to-5 companies competing amongst themselves
there are handful of search-engines, handful of social networks, handful of insurance companies[, handful of ..]; the same will happen with crypto-coins & miners in them; get over it
if want to mine in the long-term, either get professional or go home; whichever you choose, stop crying that you cannot keep up & trying to delay progress