Spinning up a node is never going to be simple enough for the average person, and even if it were, the on-chain capacity will prohibit it. Innovations will continue to address this (channel factories, etc) but the limitation can’t be removed.
Ecash, however, removes all such limitations. I suspect this is the layer 3 the world will adopt.
All three layers will be open to those who can afford them, and a free market for competitive access to higher layers through providers (blockspace, liquidity) has already begun to develop naturally