Has anyone actually used layer 2? Or do people on this sub just HODl Ether?

I tried using Loopring. It’s very promising because of its layer 2 tech and great mobile app.

However just to create a wallet it costs roughly $150. And to move your funds from layer 1-2 it costs 0.05 ETH.

How is this issue going to be solved in the future? Once layer 1 gets even more crowded it’ll costs thousands to bridge. People are going to be priced out.