Yea, and that's okay. As long as the system is pegged to a hard-money like Bitcoin.

Bitcoin is perfect for international settlement, as it is today without a L2. But within countries and cities, L2's will inevitably be used.

I really like the concepts behind Fedemint. I think of it as a Layer 3 because it does utilize Lightning to send/recieve outside of the federation. It's perfect for smaller communities.