The modern standard cosmological model (ΛCDM) is trapped in three cognitive shackles: indiscriminate extrapolation of physical laws, the separation between matter and spacetime, and conflation of fundamental physical limits with observational limits. This paper establishes the Local Spacetime Curved Carrier Model, proposing that the observable universe constitutes a local subsystem attached to a higher-dimensional carrier, whose intrinsic physical laws exclusively apply to its own hierarchical layer. The speed of light bears dual attributes: the upper bound of local material motion and the frequency-band barrier restricting human perception. Combined with the Synchronous Equilibrium Mechanics and Frequency-Band Isolation Principle, this work elucidates the essential reason why human observers reside within a superluminal carrier without experiencing structural tearing or detecting superluminal phenomena. The concept of the Limiting Velocity Field is introduced, whereby the observable universe manifests as a transient local feature of this field, and quantum entanglement corresponds to the “Separable Limit” that sustains the relative closure of the subsystem. By distinguishing the boundary of physical laws from the boundary of perceptual observation, the inherent closed-loop flaw embedded within conventional observational paradigms is demonstrated, and the objection regarding theoretical complexity is addressed following Occam’s Razor, eventually forming a logically self-consistent speculative framework for a layered universe. 现代标准宇宙学模型(ΛCDM)存在三重认知桎梏:规则外推、物质 - 空间割裂、以及混淆物理上限与观测上限。本文构建局部时空曲面载体模型,提出可观测宇宙是依附于高层级载体的局部子系统,其内部物理规则仅适用于本层级。光速具备双重属性——局部物质运动上限与人类感知频段壁垒。结合同步平衡力学与频段隔离原理,解释人类身处超光速载体中既无撕扯、亦无法观测超光速现象的本质。引入“极限速度场”概念,指出可观测宇宙是该场的局部短暂特征,量子纠缠是“可分开的极限”,维持了系统的相对封闭性。本文区分物理规则边界与感知观测边界,指出现有观测范式的闭环缺陷,并以奥卡姆剃刀原则回应理论简洁性质疑,形成逻辑自洽的层级宇宙思辨框架。