unaffordable if you think in terms of fiat.
If you think in bitcoin terms, 2 to 3% transaction fees for an inmutable store of value is nothing. 
Even in real estate you have to pay 5% to the broker and 2% transfer tax paid to the state and city.
If your house is worth 500k, you have to pay $35,000 in fees.
Bitcoin is a much better store of value, so paying  5 to 7% is still a bargain