> Every transfer costs money.

Yes, all real world payments, from credit cards, to bank transfers have transaction fees. Depending on where you are in the world, even cash payments can include taxes per transaction.

> Every swap costs money.

Yes, currency conversion in real life includes fees.

> I now have to choose which L2 provider to trust implicitly, with no recourse on failure.

No, the whole point of a rollup is that your transactions are posted to L1 in a provable manner. Optimistic rollups and ZK rollups all allow you to transact without having to trust the L2. (There are caveats for those L2s that are in various stages of implementation and that's all public information.)

> And at the end of it, I still have internet points, instead of something that can pay rent or buy food.

The question was how to pay the publisher of a web page and this is a technology forum. So we discuss technological solutions. Paying rent and buying food is a solved problem.