"It's no one's fault in particular that Bitcoin's user experience has changed" - jlopp . Apparently blocking all proposed changes relating to scaling Bitcoin and lowering fees is the fault of "no one".
Segwit is not implemented on Core's main client.
Lightning has been 18 months away since 2015. (It is still 18 months away)
Lightning will not work with the current block size that Blockstream is so fiercely protective of.
Please admit that if a credit card company wanted to maximally destroy the threat of Bitcoin, the last few years would serve as a pretty good blueprint...
*Edit: removed word that mangled sentence.