In a hyperbitcoinized world I expect the banks, other large corps, and nation states will dominate block space on L1. Wealthy bitcoiners will still transact there but regular folks won't. Custodial L2 services will be the way for most people. The only significant difference between this banking system 2.0 and the legacy system will be the hard cap on the money supply, and that the Bitcoin network will make fractional reserve banking impossible because the network will not allow you to send out more money than you have. The people will benefit from saving in a deflationary currency.