Can we talk about how bad onramps to layer 2 suck?

Everyone (looking over at you Anthony Sassano and the Bankless crew) raves about layer 2. Oh, I have no doubt that it's going to change things, but can we be realistic that it absolutely sucks right now?

I would love to try to find a way to fiat onramp to layer 2. Despite all the hype, it really doesn't seem to exist. Polygon? Crypto.com had an awesome announcement - all BS - you have to be on their "Exchange" product. Mt Pelerin's Bridge wallet? Yup, they sure did announce Arbitrum and Optimism but you sure can't buy ETH on them. Coinbase? Nothing but promises. Dharma? Oh, they got acquired by Opensea, so that's probably going away. Something, something Ramp - does that actually work? Can I set up Ramp's wallet and use my bank account or credit card to buy ETH on Arbitrum?

Wait, what's that you say about Polygon? Yeah, it's a sidechain and I was specifically talking about layer 2. But hey, to use Polygon all you have to do is go set up a Coinbase account and then transfer to a Metamask wallet, get some MATIC and switch over to Polygon, sell the MATIC for ETH. Yeah, that's intuitive.