Well using a PoW blockchain like Bitcoin you can do it on L1 you just have to wait.
If you make the block times too short you have more chance of block reorganization (multiple miners solve PoW) and the number of confirmations to be sure a transaction is sure balances itself out.
I don’t think that matters if you’re buying a house or conducting international trade (how long does fedwire take?)
I honestly don’t see a big problem with using an L2 for small payments.
I still have my cold storage savings.
I am free to pull my channel back on chain.
There are other issues with Lightning around privacy, hosting of lighting nodes, and standards that I think are more pressing than this.
Just my opinion.