If you can't trustlessly settle on the layer below, it's not a layer, just a bank.
I'd argue ecash is a form of a layer 3 tool building on top of lightning infrastructure nostr:nevent1qqsyp43lr6w4jsvz48um3qnt87s87nelxdgv5gsyjxae25a3nj9wfpgpz4mhxue69uhhyetvv9ujuerpd46hxtnfduhsygzsm98u9kzcp35zkpc62shck8335gqtq5yt4w26xwl0pp2a72qavvpsgqqqqqqsag3s8p
Discussion
Instead of trustlessly, I should have said unilaterally. Nothing is ever truly trustless.