Yes, I want more people to have their own keys, but how will this work in practice when fees on the main L1 are high?

People say that covenants are the solution but I haven’t found anyone who can explain how covenants solve this problem when fees are high and growing. 

We can’t just make changes to the core protocol if it doesn’t solve the problem, even if it helps in the short term. Bitcoin is for 1000 years. The risk of software changes is too high to just delay the problem for a few years.