Yes, but right now there is no issue because block space meets demand well. Mempool is essentially empty in the grand scheme of things. More of what I'm saying is that most people do not want the responsibilities of self custody, let alone even understand Bitcoin as money. We cannot compromise the great network we currently have to achieve a goal which isn't even currently desired.
I have not suggested a solution or advise that we sacrifice anything. I'm only saying that this is a problem. We all know it's a problem. There is no simple solution or we would have figured it out by now. And I think the problem will be on top of us before we realize it.
We owe it to future bitcoiners to be building out proper non-custodial solutions now, up to and including layer 1 improvements that will enable things like UTXO sharing. It's just now dawning on many they need Bitcoin, yet Satoshi had the foresight over 15 yrs ago to create this life changing technology. We need to practice the same future thinking and not get distracted by NGU and institutions/governments rolling in.