Well.. I’m not sure I would put it as an L2 though I understand what you mean. But my point is that although there may be some people handing it over to others .. it would only be for physical p2p trades of a medium to large amount so it covers the cost of the card

In a congested mempool situation in a future that can be a good deal compared to the cost of a TX but still I wouldn’t claim it as a good L2.

Better to claim it as a great secure storage with the possibility port it and exchange it directly with someone else with advantages over other tools we had before like having the possibility to reuse couple of times?