The different layers are either overpromised as hell, like self hosted Lightning (neither has the low fees which were promised, nor is it easy to use when you need to manage your own channels) 

Or they are owned by companies which take all transaction fees, like Liquid and they will censor your stuff when the Government wants them to. 

So it pushes users into custodial wallets and custodial sidechains. There goes your freedom to transact, censorship resistance and self custody.  

Welcome to the new bank, just like the old bank but with a new brand name.