[Developers] What’s the closest we can get to “Free p2p programmable transactions”?

Hey guys, looking for a bit of guidance.

I'd like to "start with the user needs and work backwards to the tech". This is the experience I'm trying to deliver:

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1. You get a wallet with $50 in it
2. You can send and receive money without worrying about transaction fees, at all

One approach is to subsidize the cost of transfers, but I need to be able to facilitate a large number of low-amount transactions (a few bucks between users, very frequently). So I'd like to just be L2-native, but I don't know which L2 comes closest to realizing the promise of free programmable transactions.

Are there any that come close?

Any that have good support for .NET/C# devs?

What would you recommend?