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 This is a subjective problem based on your opinion around UTXO ownership. 

Competition on higher layers addresses capture and censorship.  

But then again most people are perfectly happy with their banks and the idea of self custody feels crazy to them. Assuming this will change materially is delusional. 
 You can satisfy a script condition for a UTXO or you cannot. You own it or you do not. Multiple people can own a UTXO.

How do you define ownership? Defining terms might help.  
 I meant to say UTXO ownership scaling* 
 Scaling means answer the problem outlined in the whitepaper. Where everyone can p2p settle on chain without trusting a third party financial institution. 
 I would rather scale at higher layers with tradeoffs there as opposed to introducing risk to the base layer. 

The lack of an existential problem makes  unintended consequences resulting from a soft fork unnecessary, in my opinion. I would venture to say not many of the people pushing for soft forks are all in and have families to support.

Not saying this is you, but it’s easy to want change when you’re a single dude with a $500 stack. 
 Family man talking about softforks with majority exposure in bitcoin. Count myself as another. I know personally one more. 
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 No doubt there are some. My hunch it’s not the norm 
 Also scaling at higher layers defeats the whitepaper abstract's goal 
 The abstract never promised the goal would scale to every single person in the planet forever. 
 Peer to peer doesn't mean everyone to you? 
 No, it means a P2P.

Equality of opportunity, not equality of outcome. There is no centralized party deciding who can and can’t be a peer. 

Bitcoin is not perfect. It’s good enough and the best we have. 
 Right. The opportunity to hit the main chain doesn't exist without changes to scale UTXO ownership. This is irrespective of fees. Thank you for confirming for me.  
 Of course it exists, what are you talking about? Anyone that wants to transact on-chain can do so at any time.  

The network is and will continue to be P2P. Show me an example of a peer of the network not being allowed or requiring permission to transact with another peer. 

The elephant in the room is that not everyone will end up being a peer. Bitcoin is scarce, blocks pace is scarce. This is not a new revelation. 
 How do you define a peer of the network?
Do think everyone will have an equal opportunity to be a peer? 
 Anyone can run the software and participate in the free market for scarce UTXOs and blocks pace.

I’ll leave it there. We can agree to disagree on the outcomes we want and how to get there.