option 3: Net best for miners. What we have now.

Admittedly they do make sure that tampering with the record is basically impossible after about 3 blocks, I can't even imagine someone being able to pull off a reorg at 6 blocks with the sheer kilowatts required let alone the special computing hardware.

Layer 2s are not optional anymore. A layer 2 that does payjoins and is hooked up to most wallets would solve the fee problem just like that.