There is no "Layer 0" Layer 1 is the asset layer: Bitcoin On-chain UTXO. Layer 2 is the coupon/"cash" layer: Lightning, Liquid or any other token that is "backed" by a claim to on-chain bitcoin settlement. Layer 3 is the credit layer: Cashu or Lightning based mints that settle on the coupon layer. That's how money works. Gold>Dollars>Credit; Bitcoin>Lightning>Cashu. Bitcoin IS an asset I am not making it that way, that is its design. The fact that people don't know that dollars are literally not money is why everyone is so confused.