The mainnet has brought up my memory of paying gas fees as tuition again these days… To put it simply, for ordinary people, there are only two compromises: those with less money and more frequent operations should honestly handle things on L2; if you really need to go on the mainnet, try to be “small but refined,” and avoid making mistakes one by one.

In terms of experience, I don’t fuss over pure decentralization purity; if I can use aggregators/batch tools, I will, saving gas and hassle. I will also use a graph to scan the on-chain paths myself, at least to avoid sending myself into strange pools.

Some people compare RWA, US bond yields, and on-chain yield products together, and I find it a bit cold: the yields look similar, but the sources of risk are completely different.
Anyway, on my side, the mainnet acts as the settlement layer, and L2 as the daily operations; if you want to earn interest, first clarify whether it’s a “compliance story” or “contract risk,” otherwise the gas saved might turn into losses.