What do you guys think about just building such things on top of 'layer 2' or even 'layer 3' in the future?
I think it is partially possible. And this is the key: "partially". Because you can always form a federation, and just create any consensus rules on top of Lightning, but it will not be enforced by the first layer. So, the question is: how to enforce things on the first layer if needed? Because sometimes it is not possible without soft-forks. For example, sidechains could be deployed today as federations, but they cannot be deployed independently, in a trustless way, where anyone can be a miner, without asking for permission. Another thing is that some soft-forks can be unstoppable. For example, Paul Sztorc proposed sidechains. If you add that, then it is possible that no future soft-forks will be ever needed. And that could be dangerous, and lead to some problems, that you can observe in other chains, like ETH.
So, another reason of rejecting proposals is that inserting few lines of code here and there could implicitly add features that are unexpected or unwanted. For example, adding OP_CAT or OP_SUBSTR would mean that writing quines will be possible. Adding OP_CTV could allow recursive covenants, that could be used to trap another party into endless money eater. Another thing is that more complex and generic solutions are created: instead of adding new opcodes, people now think about new sighashes. Imagine adding SIGHASH_PREVOUT_SINGLE that would require a signature, where all previous outputs are hashed, but only one input is taken. Or even SIGHASH_PREVOUT_SINGLE|SIGHASH_PREVOUT_ANYONECANPAY, getting one-input-one-output from the previous transaction. Or maybe selecting each field by some bit-mask, where you could decide explicitly for each field, if you want to include that or not, by saying that you want to sign version, locktime, and one output of the previous transaction (and zeroing all other bits in some sighash).
To sum up: everything is flying, we don't know the future. People are worried that one simple change could cause a butterfly effect, and will force people to implement and support a bad proposal always and forever. Now we are in some "brainstorming phase", where everything can happen.