> similar to what the ACH does.
ACH transaction volume is about 840 transactions per second [1]. 100,000 anywhere-to-anywhere transactions per second while making sure no money goes missing and is not double-spent worldwide is NOT a simple problem, definitely not something you can just handwave away and then claim as a reasonable "guess".
[1] https://gocardless.com/en-us/guides/posts/ach-key-stats-fact...