Will we eventually have low fees without having to use L2's directly?

Honestly for someone who's new to crypto, using L2's is an absolute nightmare.

Will there ever be a point in time in the future when we can safely use the ETH network from exchanges to transfer ETH with low gas fees that utilize L2's without the user having to bridge assets?

Or as an example, will there ever be a time when you can transfer Ethereum from Binance to Coinbase with low fees without having to bridge assets, and in the background the exchange uses L2?