Many bitcoin "transactions" are actually offchain transactions already. For example, with bitcoin debit cards you have bitcoin wallet, and then everytime you sw

Many bitcoin "transactions" are actually offchain transactions already. For example, with bitcoin debit cards you have bitcoin wallet, and then everytime you swipe your card, your account balance is deducted. Or at bitcoin marketplace, you have a wallet, and all transactions you do within the site are done offchain. Only deposits and withdrawals are done onchain. So yeah, pretty much looks like the bitcoin is already kind of settling layer.