Testing a dapp off the mainnet is like ensuring your website works on localhost. It will find some issues, but it's not representative of how it will look in deployment.
In any case, for actual usage it should surprise nobody why everyone conflates Ethereum with money. No, your L2 chain does not qualify as an official solution.
In any case, for actual usage it should surprise nobody why everyone conflates Ethereum with money. No, your L2 chain does not qualify as an official solution.