These layers are not a reference to the computer science portion but the economic concepts around the layering of money. Asset-Coupon-Credit this applies to all forms of money.

I understand you, but Bitcoin has proven you can use it the same way as cash by just moving the asset (lightning). People should stop to not use it like money. I don't mind if they litterally "turn" it into money by using ecash or whatever. When you don't use bitcoin like money you are missing out and eventually adding adfitional steps like btc-fiat-trade instead of btc-trade.

I think the problem is the following: You see BTC as 'digital GOLD'. I see BTC as 'DIGITAL gold'. With the asset beeing totally digital, you don't need 'money', the asset IS the money.