>Level 1 networks are almost never used for user transactions: your credit card payments do not go over fedwire, etc.

Fedwire isn't a "level 1 network", it's an entirely different service with different end users and goals in mind. ACH isn't an "L2 protocol", but does orders of magnitude more transactions per second than Bitcoin.

It's like cryptobros don't understand the basics of the systems they're attempting to replace.