wouldnt be easier to have solutions to bitcoin such as Strike or maybe Paypal or any offchain apps that allow to send satoshis instead of layer 2's or lighting network?

i spend my whole day in crypto, and even for me lighting network is a mess to understand, however i see platforms like strike, that despite being kyc or anything it allows transactions as low as 1 satoshi no fee, and pretty much instantly.
I imagine a world where the real savings go to a cold wallet, or a paper wallet, or a hot wallet in a isolated laptop, but to buy or pay with bitcoin a offchain wallet could be the norm, binancepay, coinbase etc. i dont have a problem with centralization to solve that.
kinda the same as we use us dollars in paypal or cashapp but the real cash backing those doesnt sit on the user but the proper bank.
so maybe in 2050 or so, moving bitcoin on chain, will be like banks moving gold from bank to bank, only for real big transactions.