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I think you could be right, Swan. The fedimint / ecash model is a great example of this in action. Users of a mint interact with one-another, solely on layer 3. This accounts for a significant bulk of transactions, within a given jurisdiction. When a user of that jurisdiction wants to interact with an outsider, the mint handles the logistics, behind the scenes, by falling back to layer 2 (LN) communication, with the outsiders mint. In this way, the bulk of transactions are handled at the highest layer possible, falling back to the layer below only when strictly necessary, to provide seamless interoperability.