Bitcoin is money

but we need a payment system or layer

Like savings account is the Onchain Wallet and a daily driver via Lightning/Liquid/ecash to spend sats

Bitcoin is dollar

Layer 2 is visa / Mastercard…

Don’t Forget that when all BTC will be mined, miners will only get paid via Onchain fees that’s going to rise a lot

So only important money transfer will occur via Onchain