See, it's already over. If you have to explain that to a layperson, it's not going to get adopted. Furthermore, if people are taught to adopt this mentality, that puts them at pretty great risk for getting scammed.

Again - do whatever you want and invest wherever you please. But L2 chains are not catapulting crypto back into usability, and Lightning is living evidence that Bitcoin's bet failed. If you need auxiliary technology to transact the money you supposedly own, your protocol is broken to the core and needs replacement.