The problem with this statement is in assuming that any of this is actually ready for the average user, like a minor with their parents credit card. It's really unfortunate that the space received all of the attention it did during the pandemic, as that only managed to bring in misaligned expectations fueled by grifters making impossible claims.
There are a number of planned upgrades on the roadmap[1], such as layer 2 blobs, that will eventually drive the cost per transaction closer to zero, however we're still a decade away from that being the case. In the meantime you can debug your smart contracts on a testnet for $0
Layer 2 blobs aren't even a solution either, arguably. You have to then engineer the layer 2 bridge to have it's own anonymization and escrow handling technology that is disconnected to the Ethereum network entirely. And realistically speaking, "closer to zero" does not mean free (or even at negligible cost). L2 chains can only exist when transactions on the mainnet are made impossible due to unbalanced gas prices. It's a catch-22.
There are a number of planned upgrades on the roadmap[1], such as layer 2 blobs, that will eventually drive the cost per transaction closer to zero, however we're still a decade away from that being the case. In the meantime you can debug your smart contracts on a testnet for $0
[1] https://notes.ethereum.org/@domothy/roadmap