RPF PREMIUM MEMBER
I posted this in April of 2019 (kind of) jokingly.I'm guessing you're right about it being a matrix within a matrix. It's really the only way I can see explaining the 3rd film. 4 could basically pick up that way but it would be boring... unless they ended it with John Wick waking up from a weird dream. It would be worth at least a chuckle!
This might very well be what the movie proves to be, I certainly hope so.