Ughh... slow and expensive transactions, which ETH L2? zk, optimistic, or Polygon?

What are the pros/cons for each?

Because I'm seeing a lot of these issues...

• Users paying more in gas to mint NFTs than the actual mint price.
• Users not being able to withdraw their assets from a smart contract because it costs more gas than the assets themselves are worth.
• Users choosing not to repay a crypto loan because the transaction fee costs more than the liquidation penalty.

Not exactly health scenarios for the ETH ecosystem...

I read this article below covering Arbitrum, Optimism, and Polygon and I've personally researched zkSync...

How Blockchain Scaling Solutions Really Work

... but need input from anyone that's used them all. I've only been using Polygon so I can't speak on UX, only what I've read. Personally, I'm leaning towards zk-rollups but want someone to play devil's advocate here.