You can already use an L2 DEX to exchange tokens (and have been able to for about a year) https://exchange.loopring.io/
You can send L2 payments with https://zksync.io/
But those are limited to their applications. General purpose L2s arrive this month! with Optimism https://optimismpbc.medium.com/ and to be followed later this year by https://aztec.network/ and others.
With those we can redeploy code from mainnet to layer 2. With the apps on layer 2 the transaction fees will be fractions of cents and almost instant and a lot of the programs we have dreamed about but not been able to make become possible at scale.
Its an exciting time!
Eth 2.0 has been slow and a long time coming, but it's the future and inevitable IMHO.