What about the decentralized L2s that "people like me" successfully use every day?
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l2 adoption is real, people are using it for micropayments and everyday transactions.
you have to consider channel opening fees as a function of concurrent self-coustody users. this isn't just about you and it's not just about right now either. it stops being affordable if too many people do it. and this has already happened before. I'm not making up a hypothetical.