Most people won't ever send an on-chain transaction in a hyperbitcoinized world.
It will be lots of L2 usage (Lightning, Ark, others that don't exist yet)
And lots of L3 usage unfortunately (custodial services)
Discussion
never heard of Ark, is it similar to Lightning?
ye, there will be a lot of L3, sadly
Similar to Lightning but with different trade offs. Not publicly usable yet.
There are also things like Liquid that have a different set of trade offs. No one uses Liquid now but that may change if it's $1,000 to send an on-chain transaction.