Of course I agree.
Bitcoin can currently be used as P2P Cash.
However as the network grows from 2 million users to 20 million... there are engineering choices to be made which could change some of these qualities. There will be trade-offs between speed, cost, simplicity, fungibility, etc...
That's what this thread is about.
I wanted to know if my view is correct; that's why I asked if you agreed. How about listing some features that are present in a settlement layer so that we can compare? As far as the trade-offs are concerned, I'm not sure. We might experience increased on-chain fees.