What is everyone doing with ETH that’s costing them so much fees?

I’ve been reading today about ETH 2.0 and Layer 2 solutions to improve scalability on the blockchain, but what is there to do with ETH that’s makinf this an ussue? Is it withadrawal fees?

I used to see people complaining about gas fees and transaction speeds nonstop, but at the same time, many say “Just hold it”.

If all we do is hold ETH, why do gas fees and transaction speeds matter so much? Is it about transactions on Dapps on the blockchain like Uniswap? Can anyone give an example please?

Thanks.