Bitcoin was developed as an answer to the last financial crisis and this time around the technology is more or less ready.
I would emphasize "less" ready. LN still isn't ready for mainstream use. The devs have made LN deliberately difficult to set up while in the testing stages because they don't want non tech types losing their money. The scaling issue is still very much in play. The only tech I'm aware of that has solved this issue is @dan's projects (EOS, Steem, Bitshares) and maybe the Waves platform. In these projects, the question is whether they are decentralized enough, but they will have no trouble onboarding new users in a financial collapse. The other networks will suffer massive strain (especially ETH which is already at the limit). Check out blocktivity.info.
I completely agree. But i am quite optimistic that things could develope quite fast if there is enough pressure. Right now I think that Bitshares could be a winner. But if there is a global crash a lot of effort will go into making LN operational.